Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 32

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 32
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 3,156 3,058 2,743 2,886 3,358 3,289 3,152 -4.1% 11,651 12,685 +8.9% Total revenue 16,146 17,298 17,642 17,470 17,445 18,397 18,290 19,403 +6.1% 68,556 73,535 +7.3% Operating expenses (6,989) (8,073) (8,681) (9,908) (7,983) (8,158) (8,649) (9,890) +14.3% (33,650) (34,681) +3.1% Net loan-loss provisions (2,617) (2,889) (3,184) (2,755) (3,781) (3,904) (3,007) (2,197) -26.9% (11,446) (12,889) +12.6% Profit before tax 6,283 6,172 5,589 4,661 5,519 6,120 6,449 7,096 +10.0% 22,704 25,183 +10.9%

37 Retail & Commercial Banking Brazil (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 1,492 1,569 1,596 1,594 1,753 1,734 1,685 1,590 -5.6% 6,251 6,762 +8.2% Net fee income 298 394 417 404 401 413 381 357 -6.2% 1,513 1,553 +2.6% Total revenue 1,713 1,865 2,031 2,025 2,113 2,177 1,969 1,946 -1.2% 7,633 8,205 +7.5% Operating expenses (790) (823) (828) (867) (843) (799) (746)