Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 5
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 total assets %, Dec-24 Spain 29% Poland 12% UK 7% Portugal 6% SCF 4% Mexico 12% US 11% Brazil 10% Chile 5% Other South America 3% €144bn o/w HTC €92bn (64%) • Bond portfolio represents 8% of total assets • HTC&S duration: 2.0 years • Mark to market impact of the HTC portfolio equivalent to just 1% of total FL CET1 (€79.7bn) ALCO IRRBB €112bn Liquidity portfolio €32bn €144bn

7 Conservative and decentralized liquidity and funding model Very manageable maturity profile€51.3bn1 issued in public markets in 2024 (1) Data includes public issuances from all units with period-average exchange rates. Excludes securitizations. (2) Includes €10.8bn of Banco Santander, S.A., €2.9bn of Santander International Products PLC, €0.2bn of Santander Global Issuances B.V. and €0.2bn of Moon GC&P Investments, S.L. (3) Includes €0.188bn (net between €1.500bn issuance and €1.312bn repurchased following the tender offer exercise on XS1793250041, both executed in May-24). (4) Includes AT1 / Preferred shares and Tier 2 / Subordinated. € bn, Dec-24 0.5 14.0 9.1 1.6 6.9 0.4 0.9 3.0 0.5 3.0 1.2 1.0 4.3 0.9 1.3 8.4 23.4 13.8 2.9 2.8 Covered bonds Senior Senior non- preferred AT1 Tier 2 € bn, Dec-24 Covered Bonds Senior Non- Preferred Senior Other 2025 2026 2027 2028 >2029 4.4 11.4 12.1 4.7 5.7 11.9 6.5 8.3 15.5 8.8 9.9 14.9 14.8 12.1 8.0 12.6 5.3 20.9 3.4 2.6 1.2 1.