Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000111
Chunk: 144

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 144
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 |       |                                                           |    30 |       |                 |    54 |       |
| Land                                                                                               |     |                       | 3,527 |       |                       | 1,963 |       |                                                           | 1,392 |       |                 | 1,564 |       |
| Developed Land                                                                                     |     |                       | 1,000 |       |                       |   533 |       |                                                           |   318 |       |                 |   467 |       |
| Other land                                                                                         |     |                       | 2,527 |       |                       | 1,430 |       |                                                           | 1,074 |       |                 | 1,097 |       |
| Property assets from home purchase mortgage loans to households                                    |     |                       |   390 |       |                       |   183 |       |                                                           |   123 |       |                 |   207 |       |
| Other foreclosed property assets                                                                   |     |                       |   104 |       |                       |    53 |       |                                                           |    42 |       |                 |    51 |       |
| Total property assets                                                                              |     |                       |       | 4,823 |                       |       | 2,692 |                                                           |       | 1,969 |                 |       | 2,131 |

Additionally, Grupo Santander has participation in entities holding real estate assets foreclosed or received in payment of debts for an amount of EUR 23 million and capital instruments foreclosed or received in payment of debts for an amount of EUR 9 million.

| January - June 2025 |     | 153 |

#### e) Solvency information
The Group commands a solvency position above the levels required by regulators and by the European Central bank. At 30 June 2025, at a consolidated level, the Group must maintain a minimum capital ratio of 9.65% of CET1 phase-in, applying the transitional CRR provision (4.50% being the requirement for Pillar I, 0.98% being the requirement for Pillar II, 2.50% being the requirement for capital conservation buffer, 1.25% being the requirement for systemically important institutions, 0.38% being the requirement for anti-cyclical capital buffer and 0.04% being the requirement for systemic risk requirement).

Grupo Santander must also maintain a minimum capital ratio of 11.47% of Tier 1 phase