Company: BCDRF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000891478-25-000113
Chunk: 141

Company: Banco Santander, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 141
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317,635 |              |     | 9,082 |                                                                |     | 3,881 |                  |     | 2,856 |                                                                                        |     | 5,997 |
| Financing classified as non-current assets and disposable groups of items that have been classified as held for sale |     |                        |     |         — |              |     |      — |                      |     |       — |              |     |      — |                                                                |     |     — |                  |     |     — |                                                                                        |     |     — |                        |     |         — |              |     |     — |                      |     |       — |              |     |     — |                                                                |     |     — |                  |     |     — |                                                                                        |     |     — |

| 150 |     | January - June 2025 |

c) Real estate business – Spain

i) Portfolio of home purchase loans to families

Home purchase loans granted to families in Spain on 30 June 2025 amounted to EUR 59,927million (EUR 59,316million at 31 December 2024). Of which mortgage collateral are 99.66%:

|                                 |     | Million euros |        |     |                    |     |     |              |        |     |                    |     |
|                                 |     | 30-06-2025    |        |     |                    |     |     | 31-12-2024   |        |     |                    |     |
|                                 |     | Gross Amount  |        |     | Of which: impaired |     |     | Gross Amount |        |     | Of which: impaired |     |
| Home purchase loans to families |     |               | 59,927 |     |                    | 729 |     |              | 59,316 |     |                    | 789 |
| -Without mortgage collateral    |     |               |    201 |     |                    |   6 |     |              |    208 |     |                    |  11 |
| - With mortgage collateral      |     |               | 59,726 |     |                    | 723 |     |              | 59,108 |     |                    | 778 |

The risk profile of the home purchase mortgage loan portfolio in Spain remained at a medium-low level, with limited prospects of additional impairment:

• Principal is repaid on all mor tgages from the start.

• Early repayment is common so the average life