Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 30

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 30
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'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 1,077 1,071 1,096 1,008 958 963 1,004 1,029 +2.5% 4,252 3,955 -7.0% Net fee income 8 0 12 (3) 3 (11) 1 (10) — 17 (17) — Total revenue 1,086 1,076 1,147 988 954 951 1,012 1,002 -0.9% 4,297 3,919 -8.8% Operating expenses (528) (531) (521) (552) (559) (550) (537) (565) +5.1% (2,131) (2,211) +3.8% Net loan-loss provisions (40) (15) (93) (14) (8) (9) (14) 20 — (162) (12) -92.8% Profit before tax 446 473 461 282 315 342 381 318 -16.6% 1,662 1,355 -18.5%

34 Retail & Commercial Banking Mexico (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 706 780 830 787 814 799 741 763 +2.9% 3,103 3,116 +0.4% Net fee income 135 164 165 145 156 181 159 147 -7.4% 608 643 +5.8% Total revenue 807 898 949 925 946 992 880 910 +3.4% 3,579 3,728 +4.2% Operating expenses (349) (418) (466) (523) (433) (440) (418) (468) +12.0% (1,756) (1,758) +0.1% Net loan-loss provisions