Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 8

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 8
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 Buffer SNP T2 CET1 Senior AT1 Sub debt % Req. 22.2% Distance to M-MDA €27.3bn 882bps €29.3bn 297bps €33.7bn 826bps €51.5bn 493bps 82.5 10.0 13.6 2.7 34.7 28.3 171.8 MREL instruments 1 1 1 1 2 Requirement CBR Buffer Note: Figures applying the IFRS 9 transitional arrangements. Provisional data. (1) TLAC RWAs are €310bn and leverage exposure (LE) is €986bn. MREL RWAs are €408bn and leverage exposure is €1,045bn. (2) MREL Requirement based on RWAs from Jun-24: 29.69% + Combined Buffer Requirement (CBR).

11 Well-funded, diversified, prudent and highly liquid balance sheet (large % contribution from customer deposits), reflected in solid liquidity ratios Note: Liquidity balance sheet for management purposes (net of trading derivatives and interbank balances). (1) Provisional data. (2) UK: Ring-fenced bank; Spain: Banco Santander, S.A. standalone. (3) Group Internal LCR ratio including liquidity transfer restrictions. Using ECB consolidation criteria, which in addition to including liquidity transfer restrictions, also excludes any liquidity surplus exceeding 100% LCR in third countries, even if such liquidity could be used to cover stress outflows within the country, it would be 152% in Dec-24 and 151% in Sep-24. Liquidity Balance Sheet ST Funding Securitizations and others Loans and advances to customers Fixed assets & other Customer deposits M/LT debt issuances € bn, Dec-24 Equity and other liabilitiesFinancial assets 402 38 90 163 1,054 223 67 1,056 1,547 1,547 Assets Liabilities Net Stable Funding Ratio (NSFR) Dec-24 Sep-24 Sep-24 Spain 2 162% 154% 117% UK 2 154% 155% 135% Portugal 142% 146% 120% Poland 220% 211% 153% US 179% 165% 117% Mexico 212% 172% 129% Brazil 168% 166% 116% Chile 181% 168% 111% Argentina 226%