Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 76

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 76
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 expenses (10,819) (12,009) (12,687) (14,059) (12,267) (12,559) (13,136) (14,603) +11.2% (49,574) (52,565) +6.0% Net operating income 15,211 16,182 16,224 15,818 17,383 17,778 17,550 18,552 +5.7% 63,435 71,263 +12.3% Net loan-loss provisions (4,786) (5,472) (5,804) (5,692) (6,816) (6,515) (6,151) (5,708) -7.2% (21,754) (25,191) +15.8% Other gains (losses) and provisions (332) (246) (290) (226) (269) (319) (277) (352) +27.1% (1,094) (1,218) +11.3% Profit before tax 10,093 10,464 10,131 9,900 10,298 10,943 11,122 12,492 +12.3% 40,588 44,854 +10.5% Consolidated profit 7,465 7,747 7,488 7,516 7,606 7,966 8,191 9,297 +13.5% 30,215 33,059 +9.4% Attributable profit 7,184 7,729 7,475 7,496 7,585 7,946 8,169 9,268 +13.4% 29,884 32,967 +10.3%

81 Other North America (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 0 3 2 3 1 2 3 2 -33.4% 8 7 -16.7% Net fee income 12 11 15 13 12 15 16 14 -7