Company: BCDRF
Filing Date: 2025-03-03
Form Type: 6-K
Source: 0000891478-25-000057
Chunk: 5

Company: Banco Santander, S.A.
Filing Date: 2025-03-03
Form: 6-K
Chunk 5
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         % |        | 123.40 |         % |        | 122.32 |         % |        | 123.39 |         % |        | 123.23 |         % |
|                                    |     | CRR Phased-in, Phased-in IFRS9                                                                                                                  |     |        |        |           |        |        |           |        |        |           |        |        |           |        |        |           |
|                                    |     | * Liquidity coverage ratio is the average of 12 months                                                                                          |     |        |        |           |        |        |           |        |        |           |        |        |           |        |        |           |
|                                    |     | * Liquidity coverage ratios are calculated following the regulatory guidelines required by the ECB.                                             |     |        |        |           |        |        |           |        |        |           |        |        |           |        |        |           |

12 2024 Pillar 3 Disclosures Report

| Index |     | Introduction |     | Capital |     | Risks |     | Risk taker's remunerations |     | Appendices |

| 1.2. GRUPO SANTANDER PILLAR 3 REPORT OVERVIEW |

This section looks at general aspects applicable to Grupo Santander and describes the governance for approval and publication of the Pillar 3 report, in addition to the disclosure criteria used in the report.

| è | This section covers the requirements of Articles 432, 433, 433bis, 434, 436a and 437bis of the CRR on the requirements and scope of disclosure of information by the Group. |

The Basel framework consists of 3 pillars: • Minimum Capital requirements (Pillar 1) • Supervisory review (Pillar 2) • Market discipline (Pillar 3). The Santander Pillar 3 Disclosure report is a public document that is published on the Group's corporate website in order to fulfil the regulatory requirements within the scope of Basel. Specifically, the reporting standards are set by Part Eight of the Capital Requirements Regulation (CRR) 575/2013 and complementary European Banking Authority (EBA) Guidelines. In addition, the report considers the Regulation (CRR II) 2019/876 amending Regulation 575/2013. The Pillar 3 report includes a set of disclosure requirements which are intended to provide analysts, investors