Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 9

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 9
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As used in the consolidated LCR numerator: EUR 293 billion. See Glossary for definitions. (2) UK: Ring-fenced bank; Spain: Banco Santander, S.A. standalone. (3) Group LCR. Consolidated LCR 147% in Jun-25 and 145% in Mar-25. See Glossary for definitions. Net Stable Funding Ratio (NSFR) Jun-25 Mar-25 Mar-25 Spain 2 160% 148% 121% UK 2 159% 151% 137% Portugal 138% 129% 121% Poland 202% 213% 159% SCF 278% 269% 117% US 162% 203% 120% Mexico 154% 154% 125% Brazil 155% 162% 116% Chile 171% 186% 109% Argentina 229% 158% 151% Group 159% 156% 125% 1 Liquidity Coverage Ratio (LCR) 3 Well-funded, diversified, prudent and highly liquid balance sheet (large % contribution from customer deposits), reflected in solid liquidity ratios

13 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

14 NIM (%) NII / Average earning assets Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Retail & Commercial Banking 3.19 3.18 3.14 3.26 3.12 3.05 Spain 2.55 2.75 2.66 2.48 2.57 2.38 United Kingdom 1.41 1.46 1.53 1.58 1.59 1.53 Mexico 5.78 5.80 5.98 6.23 6.14 6.22 Brazil 7.87 7.91 8.06 7.67 8.35 8.62 Digital Consumer Bank 4.48 4.34 4.28 4.43 4.26 4.46 DCB Europe 2.74 2.72 2.64 2.71 2.75 2.84 DCB US 6.97 7.06 6.94 6.76