Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 143

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 143
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ander has participation in entities holding real estate assets foreclosed or received in payment of debts for an amount of EUR 23million and capital instruments foreclosed or received in payment of debts for an amount of EUR 9million.

| January - June 2025 |     | 153 |

e) Solvency information

The Group commands a solvency position above the levels required by regulators and by the European Central bank. At 30 June 2025, at a consolidated level, the Group must maintain a minimum capital ratio of 9.65% of CET1 phase-in, applying the transitional CRR provision ( 4.50% being the requirement for Pillar I, 0.98% being the requirement for Pillar II, 2.50% being the requirement for capital conservation buffer, 1.25% being the requirement for systemically important institutions, 0.38% being the requirement for anti-cyclical capital buffer and 0.04% being the requirement for systemic risk requirement).

Grupo Santander must also maintain a minimum capital ratio of 11.47% of Tier 1 phase-in and a minimum total ratio of 13.91% phase-in.

At 30 June 2025, the Group has a capital ratio regulatory CET1 of 12.98% and a total ratio of 17.22%.

Capital ratio

|                                                   |     | 30-06-2025 |       |         | 31-12-2024 |         |   |
| Capital ratio                                     |     |            |       |         |            |         |   |
| Level 1 ordinary eligible capital (EUR million)   |     |            |       |  81,250 |            |  79,800 |   |
| Level 1 additional eligible capital (EUR million) |     |            |       |   9,578 |            |  10,371 |   |
| Level 2 eligible capital (EUR million)            |     |            |       |  16,905 |            |  18,418 |   |
| Risk-weighted assets (EUR million)                |     |            |       | 625,750 |            | 624,503 |   |
| Level 1 ordinary capital coefficient (CET 1)      |     |            | 12.98 |       % |            |   12.78 | % |
| Level 1 additional capital coefficient (AT1)      |