Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 5
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 1.25% SyRB, 0.04% CCyB, 0.38% 1.83% 1.53% 1.50%2.44% 2.70% 2.40% 13.91% 17.22% >15% Regulatory Requirement 2025 Group ratios Jun-25 2025 target ratios CET1CCoB Pillar 1 AT1 G-SIB buffer2 T2 T2 AT1 Pillar 2 R Jun-25 +331bps +304bps 1 2 +334bps SREP CAPITAL REQUIREMENTS AND MDA* • CET1 ratio of 13.0%, at the top end of our 12-13% operating range for 2025 • The minimum CET1 to be maintained by the Group is 9.65% • As of Jun-25, the distance to the MDA is 304bps3 and the CET1 management buffer is 334bps • Our current estimate for the fully- loaded CET1 ratio is comfortably above our >12% Investor Day target for 2025 year end

7 Diversified bond portfolio represents just 8% of total assets %, Jun-25 Spain 29% Poland 13% UK 7% Portugal 6% SCF 6% Mexico 10% US 10% Brazil 10% Chile 6% Rest of the Group 3% €142bn o/w HTC €96bn (68%) ALCO IRRBB €109bn Liquidity portfolio €33bn €142bn BOND PORTFOLIO • Bond portfolio represents 8% of total assets • HTC&S duration: 1.8 years • Mark to market impact of the HTC portfolio equivalent to less than 1% of total CET1 (€81.3bn)

8 Conservative and decentralized liquidity and funding model € bn, Jun-25 Covered Bonds Senior Non- Preferred Senior Other 2025 2026 2027 2028 >2029 0.9 11.1 11.8 7.5 5.7 13.7 1.7 5.5 14.5 7.9 10.6 19.6 3.3 12.4 10.5 14.2 5.3 24.4 1.6 1.9 0.7 1.9 0.2 24.2 202