Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 34

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 34
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 2024 / 2023 Net interest income 8,316 8,455 8,473 8,494 9,419 9,720 10,242 9,898 -3.4% 33,739 39,278 +16.4% Net fee income 1,663 2,132 2,217 2,155 2,157 2,317 2,320 2,227 -4.0% 8,168 9,020 +10.4% Total revenue 9,544 10,054 10,799 10,798 11,355 12,195 12,011 12,103 +0.8% 41,196 47,663 +15.7% Operating expenses (4,400) (4,437) (4,397) (4,625) (4,532) (4,485) (4,555) (4,737) +4.0% (17,859) (18,309) +2.5% Net loan-loss provisions (3,599) (4,039) (4,252) (4,768) (4,049) (4,208) (4,490) (4,526) +0.8% (16,657) (17,273) +3.7% Profit before tax 1,046 197 1,125 268 1,787 2,262 1,921 1,799 -6.4% 2,636 7,769 +194.8%

40 Digital Consumer Bank (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 2,546 2,477 2,600 2,598 2,710 2,655 2,614 2,798 +7.1% 10,221 10,777 +5.4% Net fee income 288 295 316 330 354 387 373 394 +5.5% 1,229 1,508 +22.7% Gains (losses) on financial transactions and other 227