Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 14
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 49.5 Mexico 41.4 41.4 41.9 42.5 41.7 41.4 Brazil 33.0 32.4 32.0 32.1 32.8 32.7 Chile 42.5 39.2 37.4 36.0 34.5 34.3 Argentina 51.4 40.6 42.1 41.1 44.3 43.5

19 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

20 Stage coverage Exposure subject to impairment (EUR billion)* Coverage Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Stage 1 1,007 1,008 1,008 1,002 1,012 989 0.4% 0.4% 0.4% 0.4% 0.4% 0.3% Stage 2 83 94 87 88 87 85 6.3% 5.6% 5.7% 5.6% 5.6% 5.7% Stage 3 36 35 36 35 35 33 40.5% 41.2% 40.1% 40.6% 41.3% 42.7% * Additionally, customer loans not subject to impairment recorded at mark to market with changes through P&L (EUR 25bn in March 2024, EUR 26 bn in June 2024, EUR 39 bn in September 2024, EUR 32 bn in December 2024, EUR 34 bn in March 2025 and EUR 41 bn in June 2025).

21 NPL ratio (%) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Retail & Commercial Banking 3.21 3.14 3.27 3.18 3.12 3.06 Digital Consumer Bank 4.86 4.81 4.89 5.07 5.09 4.97 Corporate & Investment Banking 1.19 1.03 0.86 0.83 0.