Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000111
Chunk: 143

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 143
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 Of which mortgage collateral are 99.66%:

|                                 |     | Million euros |        |     |                    |     |     |              |        |     |                    |     |
|                                 |     | 30-06-2025    |        |     |                    |     |     | 31-12-2024   |        |     |                    |     |
|                                 |     | Gross Amount  |        |     | Of which: impaired |     |     | Gross Amount |        |     | Of which: impaired |     |
| Home purchase loans to families |     |               | 59,927 |     |                    | 729 |     |              | 59,316 |     |                    | 789 |
| -Without mortgage collateral    |     |               |    201 |     |                    |   6 |     |              |    208 |     |                    |  11 |
| - With mortgage collateral      |     |               | 59,726 |     |                    | 723 |     |              | 59,108 |     |                    | 778 |

The risk profile of the home purchase mortgage loan portfolio in Spain remained at a medium-low level, with limited prospects of additional impairment:

• Principal is repaid on all mor tgages from the start.

• Early repayment is common so the average life of the transaction is well below that of the contract.

• High quality of collateral concentrated almost exclusively in financing the first home.

• Average a ffordability rate at the end of June stood at 23%.

• 93% of the portfolio has a LTV below 80%, calcula ted a s total risk/latest available house appraisal.

|                    |     | 30-06-2025                                                                |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
|                    |     | Gross amount in books on the amount of the last appraisal (loan to value) |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
| Million euros      |     | Less than or equal to 40%                                                 |        |     | More than 40% or less than 60% |        |     | More than 60% and less than 80% |        |     | More than 80% and less or