Company: BCDRF
Filing Date: 2025-03-03
Form Type: 6-K
Source: 0000891478-25-000057
Chunk: 79

Company: Banco Santander, S.A.
Filing Date: 2025-03-03
Form: 6-K
Chunk 79
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.30 | % |                                                  | 0.61 | % |                                                          | — | % |                                                                    | — | % |   | — | % |   | — | % |   | — | % |     |                                             | — | % |                                                     | — | %                                 |     |                                                            |     | 53,828 |                                          |     | 49,470 |
| 4                                                                                     |     | Total                                     |     |                 |     | 154,299 |                                                                 |     |                                                        | 5.57 | % |                                                             |  5.25 | % |   |  4.82 | % |                                                  | 0.43 | % |                                                          | — | % |                                                                    | — | % |   | — | % |   | — | % |   | — | % |     |                                             | — | % |                                                     | — | %                                 |     |                                                            |     | 82,328 |                                          |     | 72,735 |
|                                                                                       |     | Phased-in IFRS9                           |     |                 |     |         |                                                                 |     |                                                        |      |   |                                                             |       |   |   |       |   |                                                  |      |   |                                                          |   |   |                                                                    |   |   |   |   |   |   |   |   |   |   |   |     |                                             |   |   |                                                     |   |                                   |     |                                                            |     |        |                                          |     |        |

132 2024 Pillar 3 Disclosures Report

| Index |     | Introduction |     | Capital |     | Risks |     | Risk taker's remunerations |     | Appendices |

4.8. Asset impairment losses: influencing factors and comparative analysis In addition to the advanced models described (which are detailed in the economic capital section), other metrics are used to ensure prudent and effective credit risk management based on an assessment of losses on the portfolios. Credit risk is monitored continuously and comprehensively, to ensure the early identification of incidents involving risk that could affect customers' credit ratings. This monitoring is carried out through the periodic review of all customers, the allocation of a monitoring score, the establishment of pre-defined actions associated with each category and the implementation of specific measures (predefined or ad-hoc) to correct potential deviations that could have negative impact on the entity. The analysis of credit risk involves continuous and systematic comparison to budgets, limits and standards,