Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 812

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 812
---
 a line item in the statutory consolidated income statement.

E. Net loan-loss provisions refers to Impairment or reversal of impairment at financial assets not measured at fair value through profit or loss and net gains and losses from changes line item in the statutory income statement. Additionally, includes a release of EUR 24million mainly corresponding to the results by commitments and contingent risks included in the line provisions or reversal of provisions, net of the statutory income statement.

F. Other gains (losses) and provisions includes the following line items in the statutory income statement, which are presented net for internal reporting and management reporting purposes: Provisions or reversal of provisions except a release of EUR 24million mainly corresponding to the results by commitments and contingent risks; Impairment of investments in joint ventures and associates, net; Impairment on non-financial assets, net; Gains or losses on non-financial assets, net; Negative goodwill recognized in results and Gains or losses on non-current assets held for sale not classified as discontinued operations.

Annual report 2024 780

| Contents |     | Auditor's report |     | Consolidated financial statements |     | Notes to the consolidated financial statements |     | Appendix |

| EUR million                                            |     |        |        |     |               |        |     |               |        |     |        |            |     |        |                  |     |         |       |
|                                                        |     |   2022 |        |     |               |        |     |               |        |     |        |            |     |        |                  |     |         |       |
| Underlying income statement (condensed)                |     | Europe |        |     | North America |        |     | South America |        |     |        | DCB Europe |     |        | Corporate Centre |     |         | Total |
| Net interest incomeA                                   |     |        | 12,565 |     |               |  9,705 |     |               | 12,979 |     |  4,022 |            |     |   -652 |                  |     |  38,619 |       |
| Net fee income                                         |     |        |  4,493 |     |               |  1,958 |     |               |  4,515 |     |    843 |            |     |    -19 |                  |     |  11,790 |       |
| Gains (losses) on financial