Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 67

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 67
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'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 1,030 1,016 1,070 1,087 1,093 1,092 1,070 1,106 +3.4% 4,203 4,361 +3.8% Net fee income 191 204 211 192 220 231 229 222 -3.1% 798 902 +13.1% Gains (losses) on financial transactions and other 124 102 133 158 95 121 100 100 -0.6% 517 416 -19.5% Total revenue 1,345 1,321 1,414 1,437 1,408 1,443 1,400 1,428 +2.0% 5,517 5,679 +2.9% Operating expenses (659) (657) (653) (653) (664) (654) (657) (629) -4.3% (2,622) (2,604) -0.7% Net operating income 686 664 761 784 744 789 743 799 +7.6% 2,895 3,075 +6.2% Net loan-loss provisions (193) (226) (225) (152) (275) (309) (280) (346) +23.6% (796) (1,209) +51.9% Other gains (losses) and provisions (44) 42 (25) (48) (69) (124) (61) (481) +692.6% (76) (735) +867.3% Profit before tax 449 480 511 583 400 356 402 (28) — 2,023 1,131 -44.1% Consolidated profit 338 364 377 450 297 278 302 (2) — 1,529 876 -42.7% Attributable profit 244 277 303 377 228 224 244 (54) — 1,201 642 -46.5%

73 North America (EUR mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q