Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 454

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 454
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                              |
| Of which: standardized approach                                |     |      |  72,351 |      |     |  67,022 |      |     |  5,788 |                              |
| Of which: advanced measurement approach                        |     |      |       — |      |     |       — |      |     |      — |                              |
| Amounts below the thresholds for deduction                     |     |      |  22,656 |      |     |  28,732 |      |     |  1,812 |                              |
| TotalB                                                         |     |      | 624,503 |      |     | 623,731 |      |     | 49,960 |                              |

A. Includes equities under the PD/LGD approach.

B. For more detail see Pillar 3 report.

C. Information prepared following the update of the EBA (24.05.22,'ITS on institutions’ Pillar 3 public disclosures'). Banco Santander, S.A. deducts from capital those securitizations that meet the deduction requirements, and therefore does not apply a 1,250% weighting to these exposures. This row does not include the EUR 8,367 million in 2024 and EUR 5,475 million in 2023 that would result from applying this weighting to these exposures.

Annual report 2024 427

| Contents |     | Business model and strategy |     | Sustainability statement |     | Corporate governance |     | Economic and financial review |     | Riskmanagement and compliance |

| RWAs by geographical distribution (phased-in CRR, phased-in IFRS 9) |     |       |     |     |        |     |     |            |     |     |                     |     |    |               |     |     |         |     |    |               |     |     |             |     |    |
| EUR billion                                                         |     |       |     |     |        |     |     |            |     |     |                     |     |    |               |     |     |         |     |    |               |     |     |             |     |    |
|                                                                     |     | TOTAL |     |     | EUROPE |     |     | o/w: Spain |     |     | o/w: United Kingdom |     |    | NORTH AMERICA |     |     | o/w: US |     |    | SOUTH AMERICA |     |     | o/w