Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 66

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 66
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4 2024 / 2023 Net interest income 1,029 1,011 1,069 1,083 1,095 1,092 1,069 1,105 +3.4% 4,193 4,361 +4.0% Net fee income 191 203 210 192 220 231 229 222 -3.1% 796 902 +13.4% Gains (losses) on financial transactions and other 123 101 132 158 95 120 100 100 -0.1% 514 416 -19.0% Total revenue 1,343 1,315 1,411 1,433 1,410 1,444 1,398 1,427 +2.1% 5,502 5,679 +3.2% Operating expenses (659) (655) (652) (652) (665) (655) (656) (629) -4.2% (2,618) (2,604) -0.5% Net operating income 684 660 759 781 745 789 742 799 +7.7% 2,884 3,075 +6.6% Net loan-loss provisions (193) (222) (225) (152) (276) (308) (279) (345) +23.6% (792) (1,209) +52.6% Other gains (losses) and provisions (43) 43 (25) (47) (69) (124) (61) (481) +690.6% (72) (735) +914.1% Profit before tax 447 481 509 582 401 356 402 (28) — 2,019 1,131 -44.0% Consolidated profit 337 364 376 449 297 279 302 (2) — 1,526 876 -42.6% Attributable profit 244 277 302 376 229 224 243 (54) — 1,199 642 -46.5%

72 Digital Consumer Bank Europe (Constant EUR mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4