Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 39

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 39
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.1%

49 Digital Consumer Bank US (USD mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'25 / Q2'25 9M'24 9M'25 9M'25 / 9M'24 Net interest income 1,240 1,270 1,250 1,271 1,285 1,281 1,323 +3.3% 3,761 3,889 +3.4% Net fee income 70 72 82 103 89 102 101 -1.0% 224 291 +29.8% Gains (losses) on financial transactions and other 105 114 73 78 60 57 19 -67.4% 292 135 -53.7% Total revenue 1,415 1,456 1,406 1,452 1,433 1,440 1,443 +0.2% 4,277 4,316 +0.9% Operating expenses (591) (589) (577) (578) (604) (591) (591) +0.0% (1,758) (1,785) +1.6% Net loan-loss provisions (662) (578) (704) (723) (551) (529) (629) +19.0% (1,944) (1,710) -12.1% Other gains (losses) and provisions (31) (36) (31) (34) (30) (21) (22) +5.4% (97) (74) -24.0% Profit before tax 131 253 94 117 248 299 200 -33.1% 479 747 +56.1%

50 Corporate & Investment Banking (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'25 / Q2'25 9M'24 9M'25 9M'25 / 9M'24 Net interest income 1,053 962 895 1,079 953 1,013 982 -3.1% 2,909