Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 33

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 33
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003 -6.4% 6,719 6,352 -5.5% Gains (losses) on financial transactions and other (213) 164 (546) (17) (90) (358) (300) -16.1% (595) (748) +25.7% Total revenue 11,377 12,214 12,044 12,115 11,555 11,433 10,955 -4.2% 35,635 33,942 -4.8% Operating expenses (4,532) (4,485) (4,555) (4,737) (4,681) (4,652) (4,514) -3.0% (13,572) (13,846) +2.0% Net loan-loss provisions (4,049) (4,208) (4,490) (4,526) (4,419) (4,576) (3,846) -15.9% (12,747) (12,840) +0.7% Other gains (losses) and provisions (988) (1,240) (1,045) (1,041) (1,022) (1,197) (1,041) -13.0% (3,272) (3,261) -0.3% Profit before tax 1,809 2,281 1,954 1,811 1,433 1,009 1,553 +54.0% 6,045 3,995 -33.9%

43 Digital Consumer Bank (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 2,710 2,655 2,614 2,797 2,756 2,747 2,763 +0.6% 7,980 8,267 +3.6% Net fee income 354 387 373 394 339 341 380 +11.3% 1,115 1,060 -4.9% Gains (losses) on financial transactions and other 119 222