The company reported record profitability for the first nine months of 2025, with revenue growth in line with targets and a strong capital position supporting higher shareholder distributions.

• Revenues reached EUR 24.4 billion, aligned with the full-year target of EUR 32 billion, reflecting a 7% year-on-year increase.
• Post-tax return on tangible equity improved to 10.9%, meeting the annual target of over 10%.
• Cost discipline resulted in an 8% year-on-year reduction in noninterest expenses, with a cost/income ratio maintained at 63%.
• Successful strategic execution across all business segments, with double-digit profit growth reported in each.
• Share buybacks for 2025 total EUR 1 billion, contributing to cumulative shareholder distributions of EUR 2.3 billion up 50% from 2024.