Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 171

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 171
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      |    25,193 |     |
| Total loans                                                     |     |                                  |      1.08 | %   |     |      |      1.16 | %   |     |      |      1.02 | %   |     |                                  |      1.11 | %   |     |      |      1.05 | %   |
| Net charge-offs during the period                               |     |                                  |    11,607 |     |     |      |    12,255 |     |     |      |    10,776 |     |     |                                  |     5,935 |     |     |      |     5,636 |     |
| Average loans outstanding                                       |     |                                  | 1,075,821 |     |     |      | 1,059,566 |     |     |      | 1,055,023 |     |     |                                  | 1,066,196 |     |     |      | 1,070,909 |     |

For the purpose of calculating the net charge-offs during the period to average loans outstanding ratio, net charge-offs consist of charge-offs against credit loss allowance less recoveries of loans previously charged-off and loans outstanding refer to gross loans and advances to customers. Recoveries of loans previously charged-off referred to our businesses subject to the Poland disposal are immaterial and have no impact or have an immaterial impact on the above credit ratios. For that reason, previous periods have not been adjusted to reflect the impact of the Poland sale. Reverse repurchase agreements are collateralized and therefore cannot be charged-off. Net charge-offs to average loans outstanding ratios at 30 June 2025 and 30 June 2024 reflect year-to-date net charge-offs annualized.

| January - June 2025 |     | 185 |

#### Credit impaired balances ratios
The following table shows the total amount of our computable credit risk, our credit impaired loans and contingent liabilities, our allowances for credit impaired balances, our net loans and contingent liabilities charged-off, the NPL ratio, the coverage ratio and the net charge-offs to computable credit risk ratio at the dates indicated:

|                                                     |     | 2024                             | Year Ended 31 December |     | 2023 |           |     | 2022 |           |     | 2025 | Six Months Ended 30 June |     | 2024 |           |
|:----------------------------------------------------|:----|: