Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 33

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 33
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 (763) +2.2% (3,309) (3,152) -4.7% Net loan-loss provisions (646) (748) (799) (893) (753) (751) (740) (730) -1.3% (3,086) (2,973) -3.7% Profit before tax 188 39 210 51 332 405 313 287 -8.5% 488 1,337 +173.9%

38 Retail & Commercial Banking Brazil (Constant EUR mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 1,432 1,456 1,459 1,462 1,621 1,673 1,763 1,704 -3.4% 5,808 6,762 +16.4% Net fee income 286 367 382 371 371 399 399 383 -4.0% 1,406 1,553 +10.4% Total revenue 1,643 1,731 1,859 1,859 1,955 2,099 2,068 2,083 +0.8% 7,092 8,205 +15.7% Operating expenses (757) (764) (757) (796) (780) (772) (784) (816) +4.0% (3,074) (3,152) +2.5% Net loan-loss provisions (620) (695) (732) (821) (697) (724) (773) (779) +0.8% (2,867) (2,973) +3.7% Profit before tax 180 34 194 46 308 389 331 310 -6.4% 454 1,337 +194.8%

39 Retail & Commercial Banking Brazil (BRL mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024