Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000035
Chunk: 10

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 10
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 Q3 Q4 NIM Quarterly 2.89% -0.12 -0.062.74% +0.22 +0.11 2023 Asset yields Asset volumes Liability costs Liability volumes 2024 YoY performance More than 80% of the Group’s NII comes from our Retail and Consumer businesses Note: NIM = NII / Average earning assets. Data and YoY % changes in constant euros. Constant €mn 46,668 -268 42,607 +2,768 +624 +517 +123 +297 2023 Retail Consumer CIB Wealth Payments CC 2024 YoY growth Net interest income 2.63% 2.73% 2.82% 2.76% 2.97% 2.89% 2.79% 2.92% Q1'23 Q2 Q3 Q4 Q1'24 Q2 Q3 Q4 +10% +12% +11% +6% +15% +8% +13%

19 13,010 -42 11,749 +320 +290 +449 +240 +3 2023 Retail Consumer CIB Wealth Payments CC 2024 Excellent fee performance as we execute our strategy to capture network effects across the Group Note: data and YoY % changes in constant euros. Net fee income Constant €mn 3,008 2,978 3,018 2,745 3,156 3,177 3,252 3,425 Q1'23 Q2 Q3 Q4 Q1'24 Q2 Q3 Q4 +11%+25% YoY growth +7% +24% +21% +19% -1%

20 Group ONE Transformation is driving structural efficiency gains and positive jaws Efficiency 12M rolling Costs Net operating income 6,112 6,238 6,346 6,340 6,429 6,281 6,450 6,874 Revenue 7,743 7,801 8,171 7,866 8,607 9,151 8,955 9,464 Q1'23 Q2 Q3 Q4 Q1'24 Q2 Q3 Q4 13,854 14,039 14,516 14,205 15,036 15,432 15,405 16,338 45.6% 45.1% 44.6% 44.