Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 995

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 995
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 ratio (C)                                                        |     |                                  |        65 |    % |     |        66 |    % |     |        68 |    % |
| Net loan and contingent liabilities charged-off to computable credit risk |     |                                  |      1.00 |    % |     |      1.08 |    % |     |      0.96 |    % |

(A) Computable credit risk is the sum of the face amounts of impaired and non-impaired loans and advances to customers and customer guarantees and impaired customer commitments granted.

(B) Credit impaired balances (credit impaired loans and advances to customers, customer guarantees and customer commitments granted) to computable credit risk.

(C) Allowances for credit impaired balances as a percentage of credit impaired balances.

| 929 |

| Contents |     | Cross-reference to Form 20-F |     | Consolidated director's report |     | Consolidated financial statements |     | Supplemental information |

5.2.2. Liabilities Deposits The primary components of our customer deposits and our deposits from central banks and credit institutions are demand, time and notice deposits. Our retail customers are the primary source of our demand, time and notice deposits. For an analysis of average domestic and international deposits for 2024, 2023 and 2022, see section 5.1 'Average Balance Sheets and Interest Rates’ . We compete actively with other commercial banks and with savings banks for domestic deposits. Our share of customer deposits in the Spanish banking system was 26% at 30 September 2024 (most recent available data), according to figures published by the Spanish Banking Association (AEB) and the Confederación Española de Cajas de Ahorros (CECA). See section 9. 'Competition' . The following table shows the amounts of insured and uninsured total customer deposits excluding repurchase agreements.

|                    |     | 31 December 2024 |         |     | 31 December 2023 |         |     | 31 December 2022 |         |
|                    |     | -EUR million     |         |     |                  |         |     |                  |         |
| Insured deposits   |     |                  | 512,319 |     |                  | 502,461 |     |                  | 485,288 |
| Uninsured deposits |     |                  | 465,300 |     |                  | 465,886 |     |                  | 461,043 |
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