Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000033
Chunk: 4

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 4
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 |        -3 |     |        -3 |     |               |     | 3.05 |     |        -9 |     |        -1 |     |                        |     |  64.8 |     |     -1.2 |     |      1.1 |

1. EUR million and % change in constant euros.

2. Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.

3. Total Group includes the Corporate Centre.

For more detailed information, please see the ' Alternative Performance Measures ' section.

| Coverage ratio by stage |     |           |     |        |     |        |     |        |     |          |      |        |     |      |        |     |      |        |
| EUR billion             |     |           |     |        |     |        |     |        |     |          |      |        |     |      |        |     |      |        |
|                         |     | Exposure1 |     |        |     |        |     |        |     | Coverage |      |        |     |      |        |     |      |        |
|                         |     |           |     | Dec-24 |     | Sep-24 |     | Dec-23 |     |          |      | Dec-24 |     |      | Sep-24 |     |      | Dec-23 |
| Stage 1                 |     |           |     |  1,002 |     |  1,008 |     |  1,000 |     |          |  0.4 | %      |     |  0.4 | %      |     |  0.4 | %      |
| Stage 2                 |     |           |     |     88 |     |     87 |     |     80 |     |          |  5.6 | %      |     |  5.7 | %      |     |  6.4 | %      |
| Stage 3                 |     |           |     |     35 |     |     36 |     |     36 |     |          | 40.6 | %      |     | 40.1 | %      |     | 40.6 | %      |

1. Exposure subject to impairment. Additionally, in December 2024 there were EUR