Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 17

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 17
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537 +4.8% Operating expenses (6,363) (6,214) (6,381) (6,796) (6,489) -4.5% (6,363) (6,489) +2.0% Net operating income 8,465 9,003 8,805 9,310 9,048 -2.8% 8,465 9,048 +6.9% Net loan-loss provisions (2,949) (2,984) (2,989) (3,142) (3,161) +0.6% (2,949) (3,161) +7.2% Other gains (losses) and provisions (1,102) (1,241) (896) (1,554) (700) -55.0% (1,102) (700) -36.5% Profit before tax 4,413 4,778 4,920 4,614 5,187 +12.4% 4,413 5,187 +17.5% Consolidated profit 3,006 3,377 3,589 3,566 3,741 +4.9% 3,006 3,741 +24.5% Attributable profit 2,746 3,111 3,248 3,265 3,402 +4.2% 2,746 3,402 +23.9%

27 Supplementary information Balance sheet and capital management NIM, yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

28 Retail & Commercial Banking (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 7,139 6,857 6,807 7,134 6,721 -5.8% 7,139 6,721 -5.9% Net fee income 1,205 1,184 1,153 1,164 1,210 +3.9% 1,205 1,210 +0.4% Gains (losses) on financial transactions and other (284) 176 (21) (140) (