Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 65

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 65
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 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 6 30 36 36 5 19 51 47 -7.8% 109 121 +11.2% Net fee income 65 75 87 81 75 87 97 109 +12.2% 308 367 +19.0% Gains (losses) on financial transactions and other 50 32 68 51 39 60 49 28 -44.4% 201 176 -12.4% Total revenue 121 138 192 167 118 165 197 183 -7.1% 618 664 +7.4% Operating expenses (149) (162) (166) (177) (176) (176) (185) (170) -8.3% (653) (706) +8.1% Net operating income (28) (24) 26 (9) (57) (11) 12 13 +10.4% (35) (42) +20.5% Net loan-loss provisions (3) (2) (3) (4) 1 0 (1) (18) — (12) (17) +42.6% Other gains (losses) and provisions (1) (1) (1) 33 (9) (84) (65) (18) -72.2% 30 (176) — Profit before tax (33) (27) 22 19 (65) (94) (55) (23) -58.7% (18) (236) — Consolidated profit (21) (38) 4 50 (52) (96) (70) (9) -87.5% (5) (227) — Attributable profit (19) (38) 3 51 (52) (95) (70) (8) -88.7% (3) (225) —

71 Digital Consumer Bank Europe (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 202