Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 29

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 29
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 Total revenue 1,014 0.8 3,046 12.8 9.7 Operating expenses -369 5.1 -1,094 8.7 5.7 Net operating income 646 -1.5 1,952 15.3 12.1 LLPs 10 — -11 -56.8 -57.6 Attributable profit 491 3.4 1,439 21.1 17.3 Contribution to profit 920 3.3 2,695 13.8 13.8 (*) € mn and % change in constant euros. (1) % change in current euros. Net new money (PB) €16.7bn 7% of volumes¹ Net sales (SAM) €7.0bn 4% of volumes¹

43 Underlying P&L* Q3'25 % Q2'25 9M'25 9M'24 % 9M'24 % 9M'24¹ NII 41 -2.8 122 97 36.9 25.7 Net fee income 267 0.7 777 697 19.1 11.4 Total revenue 353 8.3 994 894 18.3 11.2 Operating expenses -280 -3.6 -856 -889 -0.3 -3.7 LLPs -8 67.6 -19 -13 59.4 50.1 Attributable profit 19 69.4 35 -326 — — (*) € mn and % change in constant euros. (1) % change in current euros. (2) 9M’24 PagoNxt profit including the write-downs in Q2’24 of our investments related to our merchant platform in Germany and Superdigital in Latin America (€243mn net of tax and minority interests). 2 Payments Note: Sep-25 data and YoY changes in constant euros. Cards 22.7% 31.6% 9M'24 9M'25 Spending Underlying P&L* Q3'25 % Q2'25 9M'25 % 9M'24 % 9M'24¹ NII 663 -3.3 1,994 22.1 11.4 Net fee income 514 9.5 1,432 14.1 7.1