Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 52

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 52
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3,939 +2.0% Operating expenses (734) (717) (710) (756) (720) (707) (667) -5.7% (2,161) (2,095) -3.1% Net operating income 523 542 634 600 621 594 629 +5.9% 1,699 1,844 +8.6% Net loan-loss provisions (17) (44) (37) 34 (52) (60) (6) -89.6% (98) (119) +21.3% Other gains (losses) and provisions (91) (64) (108) (179) (186) (154) (79) -48.7% (263) (419) +59.5% Profit before tax 415 434 489 456 382 380 544 +43.1% 1,338 1,306 -2.4% Consolidated profit 305 325 346 331 285 276 398 +44.4% 975 958 -1.8% Underlying attributable profit 305 325 346 331 285 276 398 +44.4% 975 958 -1.8%

64 United Kingdom (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'25 / Q2'25 9M'24 9M'25 9M'25 / 9M'24 Net interest income 1,193 1,200 1,247 1,285 1,276 1,243 1,245 +0.2% 3,640 3,763 +3.4% Net fee income 79 64 80 60 81 84 94 +12.1% 222 259 +16.2% Gains (losses) on financial transactions and other (7) 0 8 (17) (39) (27) (16) -38.3% 1 (82) — Total revenue 1,265 1,263 1,335 1,328 1,317 1,300 1,322 +1.7% 3,863 3,939 +2.0% Operating expenses