Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 993

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 993
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            |   4 | % |     |             |   7,512 |     |            |   2 | % |     |                       |   3,242 |     |            |   2 | % |     |              |     933 |     |            |   1 | % |     |         |    26,768 |     |            |   2 | % |
| Total loans and advances to customers outside Spain |     |                                  | 334,637 |     |            |  85 | % |     |             | 291,637 |     |            |  82 | % |     |                       | 161,550 |     |            |  82 | % |     |              |  90,206 |     |            |  69 | % |     |         |   878,030 |     |            |  82 | % |
| Total loans and advances to customers, gross        |     |                                  | 395,174 |     |            | 100 | % |     |             | 354,544 |     |            | 100 | % |     |                       | 196,458 |     |            | 100 | % |     |              | 130,018 |     |            | 100 | % |     |         | 1,076,194 |     |            | 100 | % |

(A) Credit of any nature granted to credit institutions is included in the 'Loans and advances to credit institutions' caption of our balance sheet.

| 926 |

| Contents |     | Cross-reference to Form 20-F |     | Consolidated director's report |     | Consolidated financial statements |     | Supplemental information |

Fixed and Variable Rate Loans

The following table sets forth a breakdown of our fixed and variable rate loans, by type and status, having a maturity of more than one year at 31 December 2024:

|                               |     | Fixed and variable rate loans           
 having a maturity of more than one year |         |          |     |         |               |     |         |       |
|                               |     |                                         |         | Domestic |     |         | International |     |         | Total |
|                               |     | -EUR million                            |         |          |     |         |               |     |         |       |
| Fixed rate                    |     |                                         |         |          |     |         |               |     |