Banco Santander, S.A. (NYSE:SAN) Q2 2023 Earnings Conference Call July 26, 2023 4:00 AM ET Company Participants Begona Morenes - Investor Relations Hector Grisi - Chief Executive Officer Jose Garcia-Cantera - Chief Financial Officer Conference Call Participants Carlos Peixoto - CaixaBank Alvaro Serrano - Morgan Stanley Francisco Riquel - Alantra Ignacio Ulargui - BNP Paribas Sofie Peterzens - JPMorgan Marta Sánchez Romero - Citi Andrea Filtri - Mediobanca Britta Schmidt - Autonomous Carlos Cobo Catena - Soc ...

& Santander This presentation contains financial information prepared according to International Financial Reporting Standards (IFRS) and taken from our consolidated financial statements, as well as alternative performance measures (APMs) as defined in the Guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority (ESMA) on 5 October 2015, and other non-IFRS measures. The APMs and nonIFRS measures were calculated with information from Grupo Santander; however, the ...

FORM 6-K For the month of June, 2023 Commission File Number: 001-12518 Banco Santander, S.A. (Exact name of registrant as specified in its charter) Ciudad Grupo Santander 28660 Boadilla del Monte (Madrid) Spain (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F: Form 20-F X Form 40-F SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of ...

Banco Santander, S.A. (NYSE:SAN) Q1 2023 Earnings Conference Call April 25, 2023 4:00 AM ET Company Participants Begona Morenes - IR Hector Grisi - CEO Jose Garcia-Cantera - CFO Conference Call Participants Ignacio Ulargui - BNP Paribas Francisco Riquel - Alantra Carlos Peixoto - CaixaBank Sofie Peterzens - JPMorgan Ignacio Cerezo - UBS Carlos Cobo Catena - Societe Generale Marta Sánchez Romero - Citi Andrea Filtri - Mediobanca Britta Schmidt - Autonomous Alvaro Serrano - Morgan Stanley Fernando Gil de Sant ...

Report of Foreign Issuer FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of March, 2023 Banco Santander, S.A. (Exact name of registrant as specified in its charter) Ciudad Grupo Santander 28660 Boadilla del Monte (Madrid) Spain (Address of principal executive of ice) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F: Form 20-F X Form 40 ...

Financial Performance - Banco Santander reported a net profit of €8.1 billion for the fiscal year ending December 31, 2022, representing a 10% increase compared to the previous year[10]. - Banco Santander's consolidated financial statements report significant growth in net profit, reaching €8.1 billion, a 20% increase compared to the previous year[22]. - In 2022, the company achieved a record attributable profit of EUR 9.6 billion, representing an 18% increase year-on-year[51]. - Total revenue increased by 12%, with a mid-single digit growth of 6% in constant euros[53][54]. - The Return on Tangible Equity (RoTE) was reported at 13.4%, with Earnings Per Share (EPS) increasing by 23%[53]. - The Group achieved a record year in 2022, with a payout policy of approximately 40% of attributable underlying profit, split equally between cash dividends and share buybacks[79]. - The total shareholder remuneration for 2022 is projected to be €3,842 million, representing about 40% of the underlying profit[133]. Asset and Loan Growth - The bank's total assets reached €1.5 trillion, with a return on equity (ROE) of 12.5%[10]. - The bank's total assets increased to €1.6 trillion, reflecting a 10% year-over-year growth[22]. - Customer loans increased by 5% year-over-year, totaling €1.1 trillion, while customer deposits grew by 6% to €1.2 trillion[10]. - Customer deposits rose by 12% to €1.1 trillion, indicating strong customer confidence and retention[22]. - Total loans outstanding reached EUR 1,036,004 million, with EUR 562,078 million allocated to households[96]. Digital Transformation and Innovation - Banco Santander's digital customer base expanded to 40 million, reflecting a 15% increase year-over-year[10]. - The bank plans to invest €1.5 billion in technology and digital transformation over the next three years[10]. - The bank is investing €1 billion in technology and innovation to enhance digital banking services and improve customer experience[22]. - New product offerings include enhanced digital banking services and sustainable finance solutions[10]. - The bank has initiated a strategic partnership with fintech companies to accelerate digital transformation and enhance service offerings[22]. Market Expansion and Strategy - The bank is focusing on expanding its presence in Latin America, targeting a 20% growth in that region's profits[10]. - Banco Santander plans to expand its market presence in Latin America, targeting a 15% increase in market share over the next three years[22]. Risk and Asset Quality - The bank's non-performing loan (NPL) ratio improved to 3.1%, down from 3.5% in the previous year[10]. - Non-performing loans (NPL) ratio decreased to 3.1%, down from 3.5%, indicating improved asset quality[22]. - The bank's cost-to-income ratio improved to 45%, down from 48%, reflecting better operational efficiency[22]. - The Cost of Risk (CoR) was contained at 0.99%, demonstrating sound credit quality[54]. Environmental, Social, and Governance (ESG) Initiatives - The Group raised and facilitated EUR 28.8 billion in green finance in 2022, contributing to a commitment of EUR 220 billion from 2019 to 2030[98][101]. - The company achieved 88% of its electricity usage from renewable energy sources, aiming for 100% by 2025[104]. - The company met its goal of financially empowering 11.8 million people cumulatively by 2022, surpassing the target of 10 million by 2025[104]. - The company launched Santander Prosperity, its first social investment fund classified under article 9 of the Sustainable Finance Disclosure Regulation[102]. - The Group's responsible banking agenda includes a commitment to achieve net zero emissions by 2050 and integrate ESG criteria into all operations[129]. - In 2022, the Group's ESG ratings improved, with Sustainalytics rating at 22.4 points, indicating medium risk, and CDP achieving an A rating, reflecting leadership in climate change[139]. Diversity and Inclusion - The workforce comprises 54% women, with 29.3% of women in senior positions[98]. - The Santander Women's Network grew year-on-year, aiming to increase female representation in senior positions[196]. - The target for women on the board is 40-60%, with current representation at 40%[200]. - The company aims for 30% of senior positions to be held by women, currently at 29.3%[200]. - Mandatory training for top managers included sessions on "Cultural connection" and "Listening to everyone" to raise awareness of diversity and inclusion[193]. Shareholder Engagement and Governance - The Group's engagement with shareholders included 201 events and 862 engagements with institutional investors, focusing on transparency and communication[136]. - The Group's risk culture, known as Risk Pro, was emphasized in 2022, with mandatory risk training for Corporate Centre employees and a focus on integrating risk management into daily operations[144]. - The Group's updated Corporate Framework on Financial Crime Prevention addresses bribery and corruption risks, with enhanced controls and training implemented in 2022[158].

Tender Offers - Banco Santander announced the extension of the expiration date for its Tender Offers until April 10, 2023, for both the Mexican and U.S. Offers[7]. - The Tender Offers aim to acquire approximately 3.76% of Santander Mexico's outstanding share capital, specifically targeting Series B shares and American Depositary Shares[6]. - As of February 28, 2023, approximately 143,720 Shares had been validly tendered, representing about 0.056% of the outstanding Series B Shares not owned by Banco Santander or its affiliates[9]. - The completion of the Tender Offers is subject to certain conditions, including the absence of any material adverse change in the financial condition of Santander Mexico[10]. - Banco Santander plans to deregister the Series B Shares from the Mexican National Securities Registry and delist them from the Mexican Stock Exchange following the Tender Offers[6]. - The U.S. Offer is subject to the terms set forth in the U.S. Offer to Purchase filed with the SEC, while the Mexican Offer follows the informative memorandum[6]. - Investors are advised to read all relevant documents regarding the Tender Offers carefully, as they contain important information[12]. Forward-Looking Statements and Risks - Forward-looking statements regarding the Tender Offers reflect management's current views and estimates, but are subject to risks and uncertainties[16]. - The risks include potential business disruptions, economic conditions, and changes in legislation that could affect the Tender Offers[17]. - Banco Santander does not assume any obligation to update forward-looking statements based on new information or future events[19].

Banco Santander SA (NYSE:SAN) Q4 2022 Earnings Conference Call February 2, 2023 4:00 AM ET Company Participants Begona Morenes - IR Ana Botin - Group Executive Chairwoman Hector Grisi - Group CEO & Group Director Jose Garcia-Cantera - Senior EVP & Group CFO Conference Call Participants Francisco Riquel - Alantra Ignacio Olmos - UBS Ignacio Ulargui - BNP Paribas Exane Alvaro Serrano - Morgan Stanley Carlos Cobo Catena - Societe Generale Andrea Filtri - Mediobanca Benjamin Toms - RBC Capital Markets Daragh Q ...

Banco Santander S.A. (NYSE:SAN) Q3 2022 Earnings Conference Call October 26, 2022 4:00 AM ET Company Participants Begona Morenes - Investor Relations Jose Antonio Alvarez - Chief Executive Officer Jose Garcia Cantera - Chief Financial Officer Conference Call Participants Ignacio Ulargui - BNP Paribas Francisco Riquel - Alantra Alvaro Serrano - Morgan Stanley Sofie Peterzens - JPMorgan Carlos Cobo Catena - Societe Generale Marta Sanchez Romero - Citi Carlos Peixoto - CaixaBank Pamela Zuluaga - Credit Suisse ...

Banco Santander S.A. (NYSE:SAN) Q2 2022 Earnings Conference Call July 29, 2022 4:00 AM ET Company Participants Begona Morenes - IR Jose Antonio Alvarez - CEO Jose Garcia Cantera - CFO Conference Call Participants Alvaro Serrano - Morgan Stanley Ignacio Ulargui - BNP Paribas Pamela Zuluaga - Credit Suisse Sofie Peterzens - JPMorgan Benjie Creelan-Sandford - Jefferies Ignacio Cerezo - UBS Carlos Peixoto - CaixaBank Andrea Filtri - Mediobanca Carlos Cobo Catena - Societe Generale Britta Schmidt - Autonomous Re ...