Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 142

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 142
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 of the transaction is well below that of the contract.

• High quality of collateral concentrated almost exclusively in financing the first home.

• Average a ffordability rate at the end of June stood at 23%.

• 93% of the portfolio has a LTV below 80%, calcula ted a s total risk/latest available house appraisal.

|                    |     | 30-06-2025                                                                |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
|                    |     | Gross amount in books on the amount of the last appraisal (loan to value) |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
| Million euros      |     | Less than or equal to 40%                                                 |        |     | More than 40% or less than 60% |        |     | More than 60% and less than 80% |        |     | More than 80% and less or equal to 100% |       |     | More than 100% |     |     | Total |        |
| Gross amount       |     |                                                                           | 17,180 |     |                                | 20,202 |     |                                 | 18,391 |     |                                         | 3,103 |     |                | 850 |     |       | 59,726 |
| Of which: impaired |     |                                                                           |    133 |     |                                |    185 |     |                                 |    169 |     |                                         |   107 |     |                | 129 |     |       |    723 |

|                    |     | 31-12-2024                                                                |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
|                    |     | Gross amount in books on the amount of the last appraisal (loan to value) |        |     |                                |        |     |                                 |        |     |                                         |       |     |                |     |     |       |        |
| Million euros      |     | Less than or equal to 40%                                                 |        |     | More than 40% or less than 60% |        |     | More than 60% and less than 80%