Company: BCDRF
Filing Date: 2025-01-02
Form Type: 6-K
Source: 0000891478-25-000002
Chunk: 52

Company: Banco Santander, S.A.
Filing Date: 2025-01-02
Form: 6-K
Chunk 52
---
     |             |    290 |     |         |   — |     |       |    290 |
|                                 |     |              | — |     |            | 19 |     |             |  2,480 |     |         | 150 |     |       |  2,649 |

| 40 |     | January - September 2024 |

#### 14. Off
-

#### balance-sheet exposures
The off-balance-sheet exposures related to balances representing loans commitments, financial guarantees and other commitments granted (recoverables and non recoverables).

Financial guarantees granted include financial guarantees contracts such as financial bank guarantees, credit derivatives, and risks arising from derivatives granted to third parties; non-financial guarantees include other guarantees and irrevocable documentary credits.

Loan and other commitments granted include all off-balance-sheet exposures, which are not classified as guarantees provided, including loans commitment granted.

|                              |     | EUR million |         |     |            |         |
|                              |     | 30-09-2024  |         |     | 31-12-2023 |         |
| Loan commitments granted     |     |             | 291,385 |     |            | 279,589 |
| Of which impaired            |     |             |     586 |     |            |     406 |
| Financial guarantees granted |     |             |  15,780 |     |            |  15,435 |
| Of which impaired            |     |             |     207 |     |            |     578 |
| Bank sureties                |     |             |  15,745 |     |            |  15,400 |
| Credit derivatives sold      |     |             |      35 |     |            |      35 |
| Other commitments granted    |     |             | 138,136 |     |            | 113,273 |
| Of which impaired            |     |             |     803 |     |            |     542 |
| Other granted guarantees     |     |             |  60,554 |     |            |  57,363 |
| Other                        |     |             |  77,582 |     |            |  55,910 |

The breakdown of the off-balance sheet exposure and impairment on 30 September 2024 and 31 December 2023 by impairment stages is EUR 425,090 million and EUR 398,243 million of exposure and EUR