Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 702

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 702
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                                |     | 1,011,042 |      |     | 1,009,845 |      |     | 1,011,597 |      |
| Of which:                                                         |     |           |      |     |           |      |     |           |      |
| Impairment losses                                                 |     |   -22,125 |      |     |   -22,788 |      |     |   -22,684 |      |
|                                                                   |     | 1,054,069 |      |     | 1,036,349 |      |     | 1,036,004 |      |
| Loans and advances to customers disregarding impairment losses    |     | 1,076,194 |      |     | 1,059,137 |      |     | 1,058,688 |      |

Note 51 contains a detail of the residual maturity periods of 'Financial assets at amortized cost'.

Note 54 shows the Group’s total exposure, by geographical origin of the issuer.

There are no loans and advances to customers for material amounts without fixed maturity dates.

Annual report 2024 643

| Contents |     | Auditor's report |     | Consolidated financial statements |     | Notes to the consolidated financial statements |     | Appendix |

b) Breakdown

Following is a breakdown of the loans and advances granted to the Group's customers, which reflect the Group's exposure to credit risk in its main activity, without considering the balance of value adjustments for impairment, taking into account the type and situation of the transactions, the geographical area of their residence and the type of interest rate on the transactions:

| EUR million                      |     |           |      |     |           |      |     |           |      |
|                                  |     |           | 2024 |     |           | 2023 |     |           | 2022 |
| Loan type and status             |     |           |      |     |           |      |     |           |      |
| Commercial credit                |     |    53,209 |      |     |    55,628 |      |     |    56,688 |      |
| Secured loans                    |     |   557,463 |      |     |   554,375 |      |     |   565,609 |      |
| Reverse repurchase agreements    |     |    59,648 |      |     |    44,184 |      |