Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 172

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 172
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 |                     1.05 |     |      |      0.97 |

Note: Credit impaired balances ratios are prepared for management purposes and therefore include the assets and results associated with the businesses subject to the Poland disposal.

(A) Computable credit risk is the sum of the face amounts of loans and advances to customers, customer guarantees and customer commitments granted, including those that are credit impaired, and excluding country risk.

(B) Credit impaired balances (credit impaired loans and advances to customers, customer guarantees and customer commitments granted) to computable credit risk.

(C) Allowances for credit impaired balances as a percentage of credit impaired balances.

(D) Ratios at 30 June 2025 and 30 June 2024 reflect year-to-date net charge-offs annualized. Ratios at year end reflect full year net charge-offs.

| 186 |     | January - June 2025 |

## ITEM 6. TABULAR DISCLOSURE OF CONTRACTUAL OBLIGATIONS
The following table summarizes our contractual obligations by remaining maturity at 30 June 2025:

| Contractual obligations               |     |           |           |     | More than         |         |     | More than         |        |     |           |         |     |       |           |
|                                       |     | Less than |           |     | 1 year but        |         |     | 3 years but       |        |     | More than |         |     |       |           |
| (EUR million)                         |     | 1 year    |           |     | less than 3 years |         |     | less than 5 years |        |     | 5 years   |         |     | Total |           |
| Deposits from credit institutions (A) |     |           |    75,886 |     |                   |  19,256 |     |                   |  6,106 |     |           |   7,062 |     |       |   108,310 |
| Customer deposits (A)                 |     |           |   899,461 |     |                   |  24,312 |     |                   | 14,055 |     |           |   7,905 |     |       |   945,733 |
| Marketable debt securities (A)        |     |           |    79,428 |     |                   |  95,499 |     |                   | 57,164 |     |           |