Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 91

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 91
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0.0% 662 703 +6.2% Net fee income 59 62 65 67 75 78 70 75 +7.4% 254 298 +17.3% Gains (losses) on financial transactions and other 26 25 36 35 44 48 39 35 -11.1% 121 167 +37.5% Total revenue 239 259 261 278 297 302 284 285 +0.3% 1,038 1,168 +12.6% Operating expenses (139) (145) (149) (163) (163) (157) (159) (155) -3.0% (596) (635) +6.5% Net operating income 100 114 111 116 134 145 124 130 +4.4% 441 533 +20.8% Net loan-loss provisions (38) (40) (50) (58) (55) (54) (48) (53) +10.5% (186) (210) +13.2% Other gains (losses) and provisions (3) (6) (0) (6) (11) (87) (1) 2 — (15) (97) — Profit before tax 59 68 62 52 68 3 76 79 +4.7% 241 225 -6.4% Consolidated profit 30 21 28 69 43 (22) 58 66 +14.3% 148 145 -2.0% Attributable profit 31 22 27 70 43 (21) 58 67 +15.7% 150 146 -2.5%

94 Other South America (Constant 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 153 170 154 173 174 170 179 180 +0.6% 650 703 +8.2% Net fee income 60 63 63 67 74 76 71 77 +8.3% 252