Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 14

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 14
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 49.9 49.6 Argentina 147.3 145.2 161.0 177.1 155.4 * PagoNxt’s coverage ratio is not provided as we do not consider it a relevant metric for this type of business.

22 Loan-loss allowancesCredit impaired loans Credit impaired loans and loan-loss allowances Note: Percentages of total operating areas, excluding Corporate Centre. Retail, 58.1% Consumer, 31.5% CIB, 5.4% Wealth, 0.7% Payments, 4.3% Retail, 52.1%Consumer, 35.8% CIB, 3.2% Wealth, 0.7% Payments, 8.2% Spain, 21% United Kingdom, 9% Portugal, 3% Poland, 5% DCB Europe, 11% US, 19% Mexico, 4% Brazil, 19% Chile, 7% Argentina, 1% Rest of the Group, 2% Spain, 18% United Kingdom, 4% Portugal, 3% Poland, 5% DCB Europe, 13% US, 19% Mexico, 6% Brazil, 24% Chile, 6% Argentina, 1% Rest of the Group, 1%

23 Cost of risk (%) Note: Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months. * PagoNxt’s cost of risk is not provided as we do not consider it a relevant metric for this type of business. Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Retail & Commercial Banking 1.03 1.03 0.98 0.92 0.91 Digital Consumer Bank 2.12 2.17 2.12 2.16 2.14 Corporate & Investment Banking 0.14 0.15 0.21 0.09 0.08 Wealth Management & Insurance (0.06) 0.07 0.09 0.19 0.20 Payments 6.88 7.02 6.99 7.36 7.52 PagoNxt * N/A N/A N/A N/A N/A Cards 7.10 7.23 7.22 7.60 7.79 TOTAL GROUP 1.