Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 16

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 16
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.6 42.5 39.2 37.4 36.0 Argentina 49.8 50.7 49.7 50.2 51.4 40.6 42.1 41.1

18 Supplementary information Balance sheet and capital management NIM, Yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

19 Stage coverage 1) Exposure subject to impairment in EUR bn. Additionally, customer loans not subject to impairment recorded at mark to market with changes through P&L (EUR 17 bn in March 2023, EUR 18 bn in June 2023, EUR 20 bn in September 2023, EUR 19 bn in December 2023, EUR 25 bn in March 2024, EUR 26 bn in June 2024, EUR 39 bn in September 2024 and EUR 32 bn in December 2024). Exposure ¹ Coverage Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Stage 1 1,005 1,011 1,002 1,000 1,007 1,008 1,008 1,002 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4% Stage 2 72 75 77 80 83 94 87 88 7.4% 7.2% 7.0% 6.4% 6.3% 5.6% 5.7% 5.6% Stage 3 34 35 36 36 36 35 36 35 40.1% 41.0% 40.4% 40.6% 40.5% 41.2% 40.1% 40.6%

20 NPL ratio (%) Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Retail & Commercial Banking 3.19 3.22 3.18 3.21 3.24 3.15 3.28 3.18 Digital Consumer Bank