Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 170

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 170
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1.92 |
| International - Developing markets |     |                                  |      4.49 |     |      |      4.85 |

(A) Interest income / (charges) is the net amount of interest and similar income and interest expense and similar charges. See 'Income Statement' in the consolidated financial statements included in Part 1 of this report on Form 6-K. For a discussion of the changes in interest income / (charges) over the periods presented, see 'Part 1. Consolidated Director’s Report—Group Financial information—Income statement and balance sheet'.

(B) Gross yield is the quotient of interest income divided by average earning assets.

(C) Net yield is the quotient of net interest income divided by average earning assets.

(D) Yield spread is the difference between gross yield on earning assets and the average cost of interest-bearing liabilities.

| January - June 2025 |     | 183 |

#### Interest-earning assets-composition
The following table shows, by domicile of the Group entity at which the relevant asset is accounted for, the percentage mix of our average interest-earning assets for the periods indicated. You should read this table in light of our observations noted in the preceding sub-section entitled '—Average Balance Sheets and Interest Rates', and the footnotes thereto.

|                                                                                                                                  |     | Six months ended 30 June |       |     |      |       |
|                                                                                                                                  |     |                     2025 |       |     | 2024 |       |
| Cash balances at central banks and other deposits on demand, and loans and advances to central banks and credit institutions (%) |     |                          | 17.97 |     |      | 18.48 |
| Domestic                                                                                                                         |     |                          |  6.99 |     |      |  6.71 |
| International - Mature markets                                                                                                   |     |                          |  7.06 |     |      |  7.72 |
| International - Developing markets                                                                                               |     |                          |  3.92 |     |      |  4.05 |
| Loans and advances to customers (%)                                                                                              |     |                          | 64.59 |     |      | 65.79 |
| Domestic                                                                                                                         |     |                          | 17.09 |     |      | 17.28 |
| International - Mature markets                                                                                                   |     |                          | 35.65 |     |      | 35.84 |
| International - Developing markets                                                                                               |