Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 9

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 9
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 279% 183% SCF 263% 339% 115% Group 168% 161% 123% 1 HQLAs1 HQLA Level 1 339.3 HQLA Level 2 11.7 o/w Level 2A 4.7 o/w Level 2B 7.0 Liquidity Coverage Ratio (LCR) €351bn o/w cash €189bn 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 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Retail & Commercial Banking 2.52 2.74 2.85 2.71 3.12 3.12 3.08 3.17 Spain 1.68 2.10 2.22 2.22 2.58 2.78 2.68 2.49 United Kingdom 1.52 1.54 1.61 1.48 1.41 1.46 1.53 1.58 Mexico 5.53 5.96 6.07 5.67 5.74 5.76 5.93 6.21 Brazil 6.10 6.00 6.06 5.72 7.44 7.55 7.83 7.59 Digital Consumer Bank 4.69 4.56 4.57 4.57 4.69 4.55 4.48 4.75 DCB Europe 2.81 2.76 2.75 2.79 2.74 2.72 2.64 2.71 US 8.27 8.18 8.10 8.14 8.40 8.53 8.43 8.88 Corporate & Investment Banking 1.12 1.05 1.10 1.29 1.20 1.06 0.94 1.11 Wealth Management & Insurance 2.79 3.20 3.32 2.97 3.20 3.04 3.01 2.89 Payments