Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 13

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 13
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3.80 3.41 3.10 2.64 Argentina 21.49 10.84 6.17 4.54 4.11 5.24 * Payments’s cost of deposits is not provided as we do not consider it a relevant metric for this type of business.

17 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

18 Efficiency ratio (%) Q1'24 H1'24 9M'24 2024 Q1'25 H1'25 Retail & Commercial Banking 40.7 39.2 39.1 39.5 39.4 39.4 Digital Consumer Bank 41.2 40.6 40.7 40.1 41.9 41.5 Corporate & Investment Banking 41.6 43.3 44.3 45.5 42.9 43.7 Wealth Management & Insurance 37.9 37.2 37.3 38.2 36.5 35.7 Payments 48.4 46.8 46.1 44.5 43.9 42.2 PagoNxt 107.5 103.0 99.4 93.6 90.3 89.8 Cards 32.3 31.0 30.4 30.1 30.2 28.4 TOTAL GROUP 42.6 41.6 41.7 41.8 41.8 41.5 Q1'24 H1'24 9M'24 2024 Q1'25 H1'25 Spain 34.2 34.1 34.7 35.7 33.5 34.0 United Kingdom 58.4 57.7 56.0 55.9 53.7 54.0 Portugal 22.9 23.4 24.6 26.1 27.0 27.1 Poland 27.5 27.2 27.3 27.1 29.0 27.8 DCB Europe 47.1 46.2 46.5 45.9 47.5 46.9 US 50.3 50.5 50.4 50.5 50.0