Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 45

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 45
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103 +7.9% Total revenue 1,410 1,444 1,398 1,427 1,402 -1.7% 1,410 1,402 -0.5% Operating expenses (665) (655) (656) (629) (667) +6.0% (665) (667) +0.3% Net operating income 745 789 742 799 736 -7.9% 745 736 -1.3% Net loan-loss provisions (276) (308) (279) (345) (336) -2.8% (276) (336) +21.7% Other gains (losses) and provisions (69) (124) (61) (481) (43) -91.0% (69) (43) -36.8% Profit before tax 401 356 402 (28) 357 — 401 357 -11.0% Consolidated profit 297 279 302 (2) 256 — 297 256 -13.9% Attributable profit 229 224 243 (54) 193 — 229 193 -15.5%

68 Digital Consumer Bank Europe (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 1,095 1,094 1,073 1,109 1,112 +0.3% 1,095 1,112 +1.5% Net fee income 220 231 229 222 188 -15.6% 220 188 -14.7% Gains (losses) on financial transactions and other 96 121 101 100 103 +2.7% 96 103 +7.7% Total revenue 1,411 1,447 1,403 1,431 1,402 -2.0% 1,411 1,402 -0.6% Operating expenses (665) (655) (658) (630) (667) +5.8% (665) (667) +0.3% Net operating income 746 791 745 801 736 -8.2% 746