Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 10

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 10
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 M/LT debt issuances Equity and other liabilitiesFinancial assets 420 40 82 171 1,065 209 69 1,078 1,567 1,567 Assets Liabilities HQLAs1 3 LIQUIDITY BALANCE SHEET €343bn o/w cash €163bn HQLA Level 1 330.4 HQLA Level 2 12.3 o/w Level 2A 5.6 o/w Level 2B 6.8 Note: Liquidity balance sheet for management purposes (net of trading derivatives and interbank balances). (1) Provisional data. HQLAs used in the consolidated LCR numerator: EUR 298 billion. See Glossary for definitions. (2) UK: Ring-fenced bank; Spain: Banco Santander, S.A. standalone. (3) Group LCR. Consolidated LCR 147% in Sep-25 and 145% in Jun-25. See Glossary for definitions.

15 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

16 NIM (%) NII / Average earning assets Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Retail & Commercial Banking 3.19 3.18 3.14 3.26 3.12 3.05 2.92 Spain 2.55 2.75 2.66 2.48 2.57 2.38 2.33 United Kingdom 1.41 1.46 1.53 1.58 1.59 1.53 1.52 Mexico 5.78 5.80 5.98 6.23 6.14 6.22 6.30 Brazil 7.87 7.91 8.06 7.67 8.35 8.62 7.16 Digital Consumer Bank 4.48 4.34 4.28 4.43 4.26 4.46 4.50 DCB Europe 2.74 2.72 2.64 2.71 2.75 2.84 2.94 DCB US 6.97 7.06 6.94 6.76 6.32