Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 29

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 29
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1,114 1,114 1,197 1,204 +0.6% 4,941 4,630 -6.3% Operating expenses (598) (611) (606) (637) (653) (645) (636) (678) +6.6% (2,451) (2,612) +6.6% Net loan-loss provisions (45) (17) (107) (17) (9) (11) (17) 23 — (186) (14) -92.6% Profit before tax 505 544 537 326 368 400 450 382 -15.1% 1,912 1,601 -16.3%

32 Retail & Commercial Banking UK (Constant 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 1,272 1,265 1,294 1,191 1,132 1,137 1,187 1,216 +2.5% 5,023 4,672 -7.0% Net fee income 9 0 15 (4) 3 (13) 2 (12) — 20 (21) — Total revenue 1,283 1,272 1,355 1,167 1,127 1,123 1,195 1,184 -0.9% 5,077 4,630 -8.8% Operating expenses (624) (627) (615) (652) (661) (650) (635) (667) +5.1% (2,518) (2,612) +3.8% Net loan-loss provisions (47) (18) (110) (17) (9) (11) (17) 23 — (191) (14) -92.8% Profit before tax 527 559 545 333 372 404 450 375 -16.6% 1,964 1,601 -18.5%

33 Retail & Commercial Banking UK (GBP mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4