Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 48

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 48
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826 745 830 872 +5.1% 2,124 2,448 +15.2% Net loan-loss provisions (414) (429) (410) (444) (486) (474) (506) +6.8% (1,253) (1,466) +16.9% Other gains (losses) and provisions (20) (9) (19) (16) (24) (19) (10) -46.9% (48) (53) +11.4% Profit before tax 266 294 263 366 235 337 356 +5.7% 823 928 +12.9% Consolidated profit 173 194 169 247 141 219 228 +4.2% 537 588 +9.5% Underlying attributable profit 155 175 147 226 121 198 204 +3.3% 477 523 +9.8%

59 Cards (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 557 544 532 634 634 691 669 -3.3% 1,633 1,994 +22.1% Net fee income 401 417 437 456 440 473 518 +9.5% 1,255 1,432 +14.1% Gains (losses) on financial transactions and other (33) (14) (21) 51 (29) (21) 0 — (68) (49) -27.9% Total revenue 925 947 948 1,140 1,045 1,144 1,187 +3.8% 2,819 3,376 +19.8% Operating expenses (310) (288) (281) (337) (317) (304) (308) +1.0% (878) (929) +5.7% Net operating income 615 660 667 803 728 840 880 +4.8% 1,941 2,448 +26.1% Net loan-loss provisions