Company: BCDRF
Filing Date: 2025-01-02
Form Type: 6-K
Source: 0000891478-25-000002
Chunk: 7

Company: Banco Santander, S.A.
Filing Date: 2025-01-02
Form: 6-K
Chunk 7
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  15,400 |         |                |  12,908 |        |
| Less: Bank overdrafts refundable on demand                                    |     |      |     |             |         |         |                |         |        |
| TOTAL CASH AND CASH EQUIVALENTS AT END OF PERIOD                              |     |      |     |             | 169,377 |         |                | 217,057 |        |
| In which: restricted cash                                                     |     |      |     |             |       — |         |                |       — |        |

<div align='center'>(*) Presented for comparison purposes only (see Note 1.e).

(**) This variation is primarily due to balance sheet management carried out during the first nine months of 2024, focusing on liquidity optimization and investment in liquid assets for interest rate risk management, without resulting in any deterioration in the liquidity position, which has remained stable throughout the year (see also Note 54, Liquidity Risk section, in the annual accounts).

The accompanying explanatory Notes 1 to 17 are an integral part of the condensed consolidated statement of recognised income and expense for the nine-month period ended 30 September 2024.</div>

| January - September 2024 |     | 11 |

Banco Santander, S.A. and Companies composing Grupo Santander

Explanatory notes to the interim condensed consolidated financial statements for the nine-month period ended 30 September 2024.

1. Introduction, basis of presentation of the interim condensed consolidated financial statements and other information

#### a) Introduction
Banco Santander, S.A. ('the parent' or 'Banco Santander') is a private-law entity subject to the rules and regulations applicable to banks operating in Spain. The Bylaws and other public information of the Bank can be consulted at its registered office at Paseo de Pereda 9 -12, Santander.

In addition to the operations carried on directly by it, Banco Santander is the head of a group of subsidiaries that engage in various business activities and which compose, together with it, Grupo Santander ('Santander' or 'The Group').

Grupo Santander's interim condensed consolidated financial statements ('interim financial statements') for the nine-month period ended 30 September 2024 were authorised and approved by Grupo Santander's directors at the board of directors meeting held on 28 October 2024. Grupo Santander's consolidated annual accounts for year 2023 were approved by shareholders at