Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 997

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 997
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. In the accounts in name of two or more persons, the guarantee shall not exceed the limit of AR$ 25,000,000, regardless the number of depositors; this amount will be proportionally distributed among the depositors. The following deposits, in AR$ and foreign currency, are covered by the system: check accounts, current accounts opened in cooperative credit institutions, savings accounts, fixed term deposits, payroll/social security and special accounts and term investments.                                                                                                                                                                                                         |

| 932 |

| Contents |     | Cross-reference to Form 20-F |     | Consolidated director's report |     | Consolidated financial statements |     | Supplemental information |

6. Supplement to the operating and financial review disclosure in the directors’ report

This section supplements the 'Consolidated directors’ report -Economic and financial review' in Part 1 of this annual report on Form 20-F in order to give information on the variations of the results and financial condition for 2023 as compared to 2022. You should read this information in connection with, and it is qualified in its entirety by reference to, our 'Consolidated financial statements' included in Part 1 of this annual report on Form 20-F.

Consolidated income statement. Variations 2023 compared to 2022 for the Group and by primary and secondary segments.

See Group variations in 'Part 1. Consolidated directors´ report-Economic and financial review. Section 3.2. Results' in our annual report on Form 20-F for the year ended 31 December 2023 filed with the Securities and Exchange Commission on 21 February 2024.

See primary and secondary segments variations in 'Part 1. Consolidated directors´ report-Economic and financial review. Section 4. Financial information by segments' in our annual report on Form 20-F for the year ended 31 December 2023 filed with the Securities and Exchange Commission on 21 February 2024.

Such sections are incorporated herein by reference.

Financial condition. Variations 2023 compared to 2022

See 'Part 1. Consolidated directors´ report-Economic and financial review. Section 3. Group financial performance' in our annual report on Form 20-F for the year ended 31 December 2023 filed with the Securities and Exchange Commission on 21 February 2024. Such section is incorporated herein by reference.

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| Contents |     | Cross-reference to Form 20-F |     | Consolid