Company: BCDRF
Filing Date: 2025-03-03
Form Type: 6-K
Source: 0000891478-25-000057
Chunk: 8

Company: Banco Santander, S.A.
Filing Date: 2025-03-03
Form: 6-K
Chunk 8
---
a            |
|   |     | Group Chief Financial Officer                                                                                                                                                                                                                                                                             |     | Group Chief Accounting Officer |     | Group Chief Risk Officer |
| " |     | We confirm that 2024' Santander’s Pillar 3 disclosures, to the best of our knowledge, comply with updated Pillar 3 framework within Capital Requirements Regulation (CRR) 575/2013 (Part Eight) and have been prepared in compliance with Santander’s policies, internal processes, systems and controls. |     |                                |     |                          |
|   |     | "                                                                                                                                                                                                                                                                                                         |     |                                |     |                          |

14 2024 Pillar 3 Disclosures Report

| Index |     | Introduction |     | Capital |     | Risks |     | Risk taker's remunerations |     | Appendices |

### 1.2.2. Background information on Santander
Banco Santander, S.A. is a legal entity subject to the rules and regulations applicable to banks operating in Spain. In addition to its direct operations, Banco Santander, S.A. is the holding company of a group of banking subsidiaries engaged in a range of business activities. The European Central Bank (ECB) is the supervisor of the Grupo Santander on a consolidated basis.

The Capital Requirements Regulation (CRR) and its modifications (hereinafter referred to as CRR), Capital Requirements Directive (CRD) and its modifications, and its transposition through Banco de España Circular 2/2016, on supervision and capital adequacy, are applicable at a consolidated level to the entire Grupo Santander.

Refer to Appendix III, CRR Mapping, for all aspects for which disclosure is required under Part Eight of the CRR, as amended but that are not applicable to Santander. These are reported as “N/A” (not applicable).

#### Notes on basis of preparation
This report has been prepared in accordance with current 31.12.2024 European regulations on capital requirements (CRR2).

The ratios presented in this report have been calculated using the transitional CRR2 and IFRS 9 implementation schedules.

There are differences regarding some metrics between the regulatory information in this report and the information in the annual report:

• The credit risk exposure measurements used for calculating regulatory capital requirements include:

◦ Current and future risk exposures arising from future commitments (contingent liabilities and commitments) and changes in market risk factors (derivative instruments).

◦ The mitigating factors for these exposures (net