Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000078
Chunk: 60

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 60
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499 |             |     |        |  54.2 |   |     |  1,149 |           |     |  2,121 |             |
| Argentina                             |     |        | 155.4 |   |     |    321 |           |     |    207 |             |     |        | 147.3 |   |     |    146 |           |     |     99 |             |

Numerator: total allowances to cover impairment losses on customer loans and advances, guarantees and undrawn balances.

Denominator: credit impaired customer loans and advances, guarantees and undrawn balances.
PagoNxt's coverage ratio is not provided as we do not consider it a relevant metric for this type of business.

| January - March2025 |     | 81 |

| Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     |                             |     |                                  |     |                      |     | APMs     |     |       |

| Cost of risk(EUR million and %) |     |        |      |       |     |       |           |     |         |             |     |        |       |   |     |       |           |     |         |             |
|                                 |     | Mar-25 |      |       |     |       |           |     |         |             |     | Mar-24 |       |   |     |       |           |     |         |             |
|                                 |     |        |      |     % |     |       | Numerator |     |         | Denominator |     |        |       | % |     |       | Numerator |     |         | Denominator |
| Retail & Commercial Banking     |     |        | 0.91 |       |     | 5,753 |           |     | 630,284 |             |     |        |  1.03 |   |     | 6,551 |           |     | 636,647 |             |
| Digital Consumer Bank           |     |        | 2.14 |       |     | 4,543 |           |     | 212,767 |             |     |        |  2.12 |   |     | 4,327 |           |     | 203,789 |             |
| Corporate & Investment Banking