Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 15

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 15
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75 0.71 Wealth Management & Insurance 0.93 1.08 1.01 0.93 0.98 0.96 Payments 4.99 5.16 5.70 5.20 5.88 5.11 PagoNxt * N/A N/A N/A N/A N/A N/A Cards 5.13 5.20 5.80 5.31 6.11 5.22 TOTAL GROUP 3.10 3.02 3.06 3.05 2.99 2.91 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Spain 3.00 2.91 2.80 2.68 2.56 2.15 United Kingdom 1.48 1.46 1.44 1.33 1.25 1.25 Portugal 2.63 2.42 2.47 2.40 2.25 2.25 Poland 3.57 3.40 3.91 3.66 3.52 3.38 DCB Europe 2.27 2.31 2.44 2.50 2.62 2.62 US 4.60 4.33 4.40 4.72 4.45 4.65 Mexico 2.74 2.78 2.70 2.71 2.79 2.93 Brazil 6.06 5.96 6.25 6.14 6.33 6.61 Chile 4.95 5.12 5.33 5.37 5.60 5.43 Argentina 1.84 1.51 1.79 2.06 2.32 3.76 * PagoNxt's NPL ratio is not provided as we do not consider it a relevant metric for this type of business.

22 NPL coverage ratio (%) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Retail & Commercial Banking 60.7 61.6 57.9 58.5 59.0 59.8 Digital Consumer Bank 76.1 75.9 74.4 73.6 75.0 76.4 Corporate & Investment Banking 43.0