Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 14
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1.38 1.71 2.02 2.25 2.32 2.34 2.28 North America 2.99 3.39 3.70 3.87 4.01 4.02 3.84 3.60 US 2.10 2.40 2.82 3.06 3.21 3.20 3.18 3.06 Mexico 5.03 5.43 5.49 5.51 5.56 5.51 5.23 4.80 South America 9.05 9.14 9.09 8.33 8.02 6.08 6.48 7.03 Brazil 8.98 8.83 9.07 8.12 7.71 7.54 7.78 7.80 Chile 4.62 4.87 4.67 4.34 3.63 3.29 2.98 2.73 Argentina 29.55 36.13 43.24 46.36 38.49 17.90 11.61 10.44

16 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

17 Efficiency ratio (%) Q1'23 H1'23 9M'23 2023 Q1'24 H1'24 9M'24 2024 Retail & Commercial Banking 45.0 44.3 43.5 43.1 41.1 39.5 39.3 39.7 Digital Consumer Bank 43.0 43.3 42.6 42.8 41.2 40.6 40.7 40.1 Corporate & Investment Banking 37.0 38.2 40.8 45.0 42.0 43.4 44.4 45.6 Wealth Management & Insurance 38.4 36.7 36.3 37.9 34.4 34.4 34.2 35.9 Payments 44.8 46.4 45.0 44.2 48.1 46.9 46.3 45.0 PagoNxt 113.