Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 15

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 15
---
 9,236 +180 -27 +137 +198 +301 -15 9M'24 Retail Consumer CIB Wealth Payments CC 9M'25 +5% -2% +7% +19% +16% +7% 3,046 3,059 3,131 3,300 3,307 3,343 3,362 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 +8% NET FEE INCOME Constant € mn YoY growth

21 8,304 8,833 8,630 9,133 8,870 9,169 9,105 Q1'24 Q2 Q3 Q4 Q1'25 Q2 Q3 6,237 6,086 6,253 6,663 6,357 6,423 6,354 CIB, WEALTH AND PAYMENTS ONE Transformation is driving 5% growth in net operating income Efficiency 12M rolling Costs Net operating income Revenue 14,541 14,919 14,883 15,797 15,227 15,592 15,459 Retail Consumer Retail and Consumer represent 70% of the Group’s total costs CIB Wealth CIB, Wealth and Payments represent 30% of the Group’s total costs Efficiency Total revenue Constant € mn Recurrency (% fees / costs) Note: data and YoY % changes in constant euros. Contribution to Group costs as a percentage of total operating areas, excluding the Corporate Centre. Costs in real terms are calculated in constant euros and excluding the impact from weighted average inflation. GROUP RETAIL AND CONSUMER Payments Costs Constant € mn Net fee income Constant € mn Costs Constant € mn Constant € mn Constant € mn Constant € mn +1% +2% +13% +6% -0% YoY in real terms -1% YoY in current euros 4,807 5,443 9M'24 9M'25 5,432 5,739 9M'24 9M'25 89.2% 94.8% 12,869 13,109 9M'24 9M'25 32,552 33,004 9M'24 9M'25 39.5% 39.7% 43.7% 42.8% 42.4% 41.8% 41.