Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 72

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 72
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4 (40) (43) (63) (44) -29.9% (74) (190) +155.0% Profit before tax 343 419 120 (19) 275 337 222 219 -1.0% 863 1,053 +22.1% Consolidated profit 297 369 200 65 280 383 220 225 +2.0% 931 1,109 +19.0% Attributable profit 297 369 200 65 280 383 220 225 +2.0% 931 1,109 +19.0%

77 United States (USD 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 1,572 1,562 1,538 1,536 1,516 1,537 1,550 1,555 +0.3% 6,208 6,158 -0.8% Net fee income 203 218 206 201 290 293 325 338 +4.2% 828 1,246 +50.4% Gains (losses) on financial transactions and other 185 175 234 163 223 216 179 177 -1.1% 757 796 +5.1% Total revenue 1,960 1,955 1,978 1,900 2,028 2,046 2,054 2,071 +0.8% 7,794 8,199 +5.2% Operating expenses (979) (965) (996) (1,038) (1,020) (1,037) (1,033) (1,053) +1.9% (3,977) (4,143) +4.2% Net operating income 981 990 983 862 1,008 1,009 1,021 1,018 -0.3% 3,817 4,056 +6.3% Net loan-loss provisions (609) (477) (829) (888) (668) (598) (713) (733