Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 7

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 7
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) Requirement CBR Buffer

11 Well-funded, diversified, prudent and highly liquid balance sheet (large % contribution from customer deposits), reflected in solid liquidity ratios € bn, Mar-25 Net Stable Funding Ratio (NSFR) Mar-25 Dec-24 Dec-24 Spain 2 148% 162% 122% UK 2 153% 154% 137% Portugal 143% 142% 120% Poland 213% 220% 156% SCF 269% 263% 116% US 203% 179% 120% Mexico 153% 212% 128% Brazil 156% 168% 114% Chile 215% 181% 112% Argentina 158% 226% 181% Group 157% 168% 126% 1 Liquidity Coverage Ratio (LCR) ST Funding Securitizations and others Loans and advances to customers Fixed assets & other Customer deposits M/LT debt issuances Equity and other liabilitiesFinancial assets 423 36 84 170 1,064 217 66 1,082 1,571 1,571 Assets Liabilities HQLAs1 Note: Liquidity balance sheet for management purposes (net of trading derivatives and interbank balances). (1) Provisional data. HQLAs used in the consolidated LCR numerator: EUR 291 billion. See Glossary for definitions. (2) UK: Ring-fenced bank; Spain: Banco Santander, S.A. standalone. (3) Group LCR. Consolidated LCR 145% in Mar-25 and 153% in Dec-24. See Glossary for definitions. 3 LIQUIDITY BALANCE SHEET €329bn o/w cash €165bn HQLA Level 1 314.9 HQLA Level 2 14.5 o/w Level 2A 7.2 o/w Level 2B 7.3

12 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

13 NIM (%) NII / Average earning assets Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Retail & Commercial Banking 3.19 3.18 3.14 3.26 3.12 Spain 2.55 2.75 2.66 2.48 2