Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 14
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0.90 0.96 0.75 0.59 0.56 United Kingdom 2.23 2.24 2.15 2.07 1.99 1.98 1.98 Portugal 0.86 0.98 1.16 0.98 0.85 0.71 0.58 Poland 1.51 1.52 1.48 1.48 1.52 1.52 1.29 DCB Europe 2.25 2.32 2.34 2.28 2.14 1.92 1.69 US 2.90 3.03 3.07 2.93 2.72 2.80 2.70 Mexico 5.55 5.51 5.23 4.80 4.36 4.08 3.82 Brazil 7.04 6.96 7.11 7.14 7.94 8.68 9.42 Chile 4.61 4.24 3.80 3.41 3.10 2.64 2.22 Argentina 21.49 10.84 6.17 4.54 4.11 5.24 6.37 * Payments’s cost of deposits is not provided as we do not consider it a relevant metric for this type of business.

19 Supplementary information Balance sheet and capital management NIM, yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

20 Efficiency ratio (%) Q1'24 H1'24 9M'24 2024 Q1'25 H1'25 9M'25 Retail & Commercial Banking 40.7 39.2 39.1 39.5 39.4 39.4 39.2 Digital Consumer Bank 41.2 40.6 40.7 40.1 41.9 41.5 40.9 Corporate & Investment Banking 41.6 43.3 44.3 45.5 42.9 43.7 44.9 Wealth Management & Insurance 37.9 37.2 37.3 38.2 36.5 35.7 35.9 Payments 48.4 46.8 46.1