Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 31

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 31
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21 |     |    23.3 |     |    74.1 |     |                   |     |   0.20 |     |        13 |     |         0 |     |               |     |   0.96 |     |       -12 |     |        -1 |     |                        |     |   70.3 |     |     11.2 |     |      3.9 |
| Payments         |     |                           |     |   479 |     |   970 |     |    29.0 |     |     0.9 |     |                   |     |   7.54 |     |        51 |     |         2 |     |               |     |   5.11 |     |        -5 |     |       -77 |     |                        |     |  131.2 |     |    -13.1 |     |      5.2 |
| TOTAL GROUP      |     |                           |     | 3,017 |     | 6,178 |     |     6.1 |     |    -1.0 |     |                   |     |   1.14 |     |        -7 |     |         0 |     |               |     |   2.91 |     |       -11 |     |        -9 |     |                        |     |   67.2 |     |      0.7 |     |      1.5 |

1. Group LCR. See the 'Structural and liquidity risk' section of this chapter. Provisional data.

2. Changes in constant euros, unless otherwise indicated.

3. EUR million and % change in constant euros.

4. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.

For more detailed information, please see the ' Alternative performance measures ' section.

#### January - June202521
| Significant events    
 Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Sustainability       
 Corporate governance |     | Appendix |     | Index |
|                       |     | Risk management             |     |                                  |     |                      |     |          |     |       |

• Cost of risk stood at 1.14%, improving compared to June 2024 and in line with March 2025.