Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 92

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 92
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298 +18.0% Gains (losses) on financial transactions and other 27 25 35 35 43 47 40 36 -10.0% 122 167 +36.0% Total revenue 240 258 253 275 292 293 290 293 +1.0% 1,025 1,168 +13.9% Operating expenses (141) (145) (146) (161) (161) (154) (162) (158) -2.2% (593) (635) +7.1% Net operating income 99 113 107 113 131 139 128 135 +5.0% 432 533 +23.3% Net loan-loss provisions (38) (40) (48) (57) (54) (53) (49) (55) +11.3% (183) (210) +14.7% Other gains (losses) and provisions (3) (6) (0) (6) (11) (87) (1) 2 — (14) (97) — Profit before tax 59 67 58 50 66 (1) 78 82 +5.2% 235 225 -4.0% Consolidated profit 30 20 25 68 42 (25) 60 68 +14.6% 143 145 +1.4% Attributable profit 31 21 24 69 42 (24) 60 69 +15.9% 145 146 +0.8%

95 Supplementary information Balance sheet and capital management NIM, Yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

96 Glossary - Acronyms ❑ ALCO: Assets and Liabilities Committee ❑ AT1: Additional Tier 1 ❑ bn: Billion ❑ Bps: basis points ❑ CET1: Common equity tier 1 ❑ CIB: Corporate & Investment Banking ❑ CoR: Cost of risk ❑ HQLA: High quality liquid asset ❑ FL: Fully-loaded ❑ FY: Full year ❑ HTC&S: Held to collect and sell ❑ IFRS 9: International Financial Reporting Standard 9, regarding financial instruments ❑ LLPs: Loan-loss provisions ❑ M/LT: Medium- and long-term ❑