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

Company: Banco Santander, S.A.
Filing Date: 2025-03-03
Form: 6-K
Chunk 25
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 | Risks |     | Risk taker's remunerations |     | Appendices |

| 2. CAPITAL |

This chapter analyses the relevant aspects of capital management and capital adequacy in Grupo Santander, as well as the main capital figures and solvency ratios, including aspects of Pillar 2. For further details on capital requirements by type of risk, see the specific chapters on each of the risks.

<div align='center'>Strong organic capital generation, with profitable front-book growth and significant RWA mobilization</div>

| Table 5.Main capital figures and capital adequacy ratios (IFRS 9 Fully loaded). |     |                  |       |         |        |       |         |        |       |         |        |       |         |        |       |         |     |               |       |         |        |       |         |        |       |         |        |       |         |        |       |         |
| EUR million                                                                     |     | CRR Fully loaded |       |         |        |       |         |        |       |         |        |       |         |        |       |         |     | CRR Phased-in |       |         |        |       |         |        |       |         |        |       |         |        |       |         |
|                                                                                 |     | Dec'24           |       |         | Sep'24 |       |         | Jun'24 |       |         | Mar'24 |       |         | Dec'23 |       |         |     | Dec'24        |       |         | Sep'24 |       |         | Jun'24 |       |         | Mar'24 |       |         | Dec'23 |       |         |
| Common Equity (CET1)                                                            |     |                  |       |  79,705 |        |       |  78,058 |        |       |  77,846 |        |       |  78,516 |        |       |  76,448 |     |               |       |  79,705 |        |       |  78,058 |        |       |  77,846 |        |       |  78,516 |        |       |  76,448 |
| Tier 1                                                                          |     |                  |       |  90,076 |        |       |  88,148 |        |       |  86,680 |