Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000033
Chunk: 10

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 10
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             |     |      |  1.92 |   |     | 2,593 |           |     | 135,190 |             |
| Mexico                         |     |      |      | 2.64 |     | 1,277 |           |     |  48,439 |             |     |      |  2.43 |   |     | 1,135 |           |     |  46,729 |             |
| South America                  |     |      |      | 3.50 |     | 5,478 |           |     | 156,397 |             |     |      |  3.36 |   |     | 5,401 |           |     | 160,644 |             |
| Brazil                         |     |      |      | 4.51 |     | 4,487 |           |     |  99,532 |             |     |      |  4.77 |   |     | 4,701 |           |     |  98,555 |             |
| Chile                          |     |      |      | 1.19 |     |   497 |           |     |  41,582 |             |     |      |  0.80 |   |     |   365 |           |     |  45,637 |             |
| Argentina                      |     |      |      | 4.59 |     |   284 |           |     |   6,190 |             |     |      |  6.64 |   |     |   150 |           |     |   2,262 |             |

Numerator: underlying allowances for loan-loss provisions over the last 12 months.

Denominator: average loans and advances to customers over the last 12 months.
PagoNxt's cost of risk is not provided as we do not consider it a relevant metric for this type of business.

| January - December2024 |     | 55 |

| Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Appendix |     | Index |
|                       |     |                             |     |                                  |     | APMs     |     |       |

#### Other indicators
The Group has a series of additional financial metrics which facilitate analysis of the underlying business trends and performance.

| Ratio                                                               |     | Formula                                                                                                                                                |     | Relevance of