Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 12

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 12
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008 1,002 1,012 0.4% 0.4% 0.4% 0.4% 0.4% Stage 2 83 94 87 88 87 6.3% 5.6% 5.7% 5.6% 5.6% Stage 3 36 35 36 35 35 40.5% 41.2% 40.1% 40.6% 41.3% * Additionally, customer loans not subject to impairment recorded at mark to market with changes through P&L (EUR 25 bn in March 2024, EUR 26 bn in June 2024, EUR 39 bn in September 2024, EUR 32 bn in December 2024 and EUR 34 bn in March 2025).

20 NPL ratio (%) Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Retail & Commercial Banking 3.21 3.14 3.27 3.18 3.12 Digital Consumer Bank 4.86 4.81 4.89 5.07 5.09 Corporate & Investment Banking 1.19 1.03 0.86 0.83 0.75 Wealth Management & Insurance 0.93 1.08 1.01 0.93 0.98 Payments 4.99 5.16 5.70 5.20 5.88 PagoNxt * N/A N/A N/A N/A N/A Cards 5.13 5.20 5.80 5.31 6.11 TOTAL GROUP 3.10 3.02 3.06 3.05 2.99 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Spain 3.00 2.91 2.80 2.68 2.56 United Kingdom 1.48 1.46 1.44 1.33 1.25 Portugal 2.63 2.42 2.47 2.40 2.25 Poland 3.57 3.40 3.91 3.66 3.52 DCB Europe 2.27 2.31 2.44 2.50 2.62 US 4.60 4.33 4.40