Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 54

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 54
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) (602) (601) (579) -3.6% (1,840) (1,782) -3.2% Net operating income 447 463 536 500 519 505 545 +8.1% 1,446 1,569 +8.5% Net loan-loss provisions (15) (38) (31) 29 (44) (51) (6) -87.7% (83) (101) +21.2% Other gains (losses) and provisions (78) (54) (91) (150) (156) (131) (70) -46.6% (224) (356) +59.3% Profit before tax 355 371 414 379 319 323 469 +45.3% 1,139 1,111 -2.4% Consolidated profit 261 277 292 275 238 234 343 +46.6% 830 815 -1.9% Underlying attributable profit 261 277 292 275 238 234 343 +46.6% 830 815 -1.9%

66 Portugal (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 431 413 373 332 348 336 328 -2.4% 1,216 1,013 -16.7% Net fee income 127 115 115 110 126 129 123 -4.4% 357 378 +5.9% Gains (losses) on financial transactions and other 26 30 13 16 29 24 30 +24.3% 69 83 +20.4% Total revenue 584 558 500 458 503 489 481 -1.6% 1,642 1,474 -10.3% Operating expenses (134) (134) (137) (143) (136) (134) (134) +0.5% (404) (404) -0.2% Net operating income 450 425 363 315 367 356