Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 29

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 29
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009 899 893 896 891 932 +4.6% 2,876 2,719 -5.5% Operating expenses (432) (440) (418) (467) (397) (390) (405) +3.9% (1,291) (1,191) -7.7% Net loan-loss provisions (205) (211) (143) (96) (135) (150) (176) +17.0% (558) (461) -17.5% Other gains (losses) and provisions (9) (12) (9) (10) (22) (16) (13) -18.5% (29) (51) +75.5% Profit before tax 323 346 328 320 343 335 338 +1.1% 998 1,016 +1.8%

38 Retail & Commercial Banking Mexico (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'25 / Q2'25 9M'24 9M'25 9M'25 / 9M'24 Net interest income 693 684 712 748 746 746 761 +2.0% 2,089 2,253 +7.9% Net fee income 148 168 163 154 169 179 178 -0.4% 479 527 +9.9% Gains (losses) on financial transactions and other (21) 7 (18) (26) (31) (21) (8) -62.0% (32) (60) +87.1% Total revenue 820 858 857 876 884 904 932 +3.0% 2,536 2,719 +7.2% Operating expenses (366) (375) (398) (453) (392) (395) (404) +2.3% (1,138) (1,191) +4.7% Net loan-loss provisions (174) (179) (140) (100) (133) (152) (176) +15.4% (492) (461) -6.4% Other gains (losses) and provisions (7) (10) (