Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 5
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% of total assets • HTC&S duration: 2.4 years • Mark to market impact of the HTC portfolio equivalent to just 1% of total CET1 (€82.2bn) €152bn

8 Conservative and decentralized liquidity and funding model (1) Data includes public issuances from all units with period-average exchange rates. Excludes securitizations. (2) Includes AT1 / Preferred shares and Tier 2 / Subordinated. 1.8 4.1 2.0 2.3 1.2 0.7 1.9 1.8 0.9 0.3 2.9 8.7 5.3 0.0 0.4 Covered bonds Senior Senior non- preferred AT1 Tier 2 € bn, Mar-25 Covered Bonds Senior Non- Preferred Senior Other 2025 2026 2027 2028 >2029 2.2 11.3 12.0 6.3 5.7 13.1 3.3 6.7 15.2 8.5 9.8 19.8 4.9 12.3 10.1 14.2 6.4 23.5 1.8 2.0 0.7 1.9 0.2 25.2 2029 Spain UK SCF Brazil US Other 2 3 €17.3bn1 ISSUED IN PUBLIC MARKETS IN Q1’25 VERY MANAGEABLE MATURITY PROFILE € bn, Mar-25 • Other includes issuances in Chile, Portugal, Argentina, Poland and Mexico

9 Plan Issued Plan Issued Plan Issued Plan Issued Banco Santander, S.A. 0 - 0.5 0.4 20 - 21 12.5 0.5 - 2 - 20.5 - 23.5 12.9 UK - - 7 - 8 3.5 4 - 5 3.0 11 - 13 6.5 SHUSA - - 3 - 4 1.9 - - 3 - 4 1.9 TOTAL 0 - 0.5 0.4 30 - 33 17.9 4.5 - 7 3.0 34.5 - 40.5 21.2 AT1