Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 992

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 992
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573 |                                 |     |      |                       |     | 31,987 |                         |     |      |                       |     | 197,507 |       |

(*) For each range of maturities, the weighted-average yield is calculated as the sum of the product of the balances of the debt securities maturing in that period multiplied by their respective interest rates, divided by the total balance of the debt securities maturing in that period ..

(**) Includes 2 medium-term notes in BRL issued by the Instituto de Crédito Oficial (Spain).

#### Loan portfolio
At 31 December 2024, our total loans and advances to customers equalled EUR 1,076.2 billion (59% of our total assets). Net of allowances for credit losses, loans and advances to customers equalled EUR 1,054.1 billion at 31 December 2024 (57% of our total assets). In addition to loans, we had outstanding as of 31 December 2024, 2023 and 2022, EUR

302.9 billion, EUR 279.6 billion and EUR 274.1 billion, respectively, of undrawn balances available to third parties.

At 31 December 2024, our loans and advances to associated companies and jointly controlled entities amounted to EUR 9,750 million (see notes 5.f and 53 to our 'Consolidated financial statements' included in Part 1 of this annual report on Form 20-F).

Excluding government-related loans and advances, the largest outstanding exposure to a single counterparty at 31 December 2024 was EUR 1.7 billion (0.15% of total loans and advances, including government-related loans), and the five next largest exposures totalled EUR 5.8 billion (0.5% of total loans, including government-related loans).

#### Maturity
The following table sets forth an analysis by maturity of our loans, by type and status, as of 31 December 2024:

| 925 |

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

|                                                     |     | Maturity                         |         |     |            |     |   |     |             |         |     |            |     |   |     |                       |         |     |            |     |   |     |              |         |     |            |     |   |     |