Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 41

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 41
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 1,069 930 1,022 996 -2.6% 2,763 2,948 +6.7% Net fee income 631 604 605 646 700 643 634 -1.4% 1,840 1,977 +7.4% Gains (losses) on financial transactions and other 396 466 571 329 540 487 421 -13.7% 1,434 1,449 +1.0% Total revenue 2,013 1,968 2,055 2,044 2,171 2,153 2,050 -4.7% 6,037 6,374 +5.6% Operating expenses (847) (892) (949) (1,001) (927) (958) (974) +1.7% (2,688) (2,860) +6.4% Net operating income 1,165 1,076 1,106 1,042 1,244 1,194 1,076 -9.9% 3,348 3,514 +5.0% Net loan-loss provisions (39) (50) (63) (18) (13) (72) (82) +13.9% (153) (167) +9.2% Other gains (losses) and provisions (77) (45) (99) (129) (22) (27) (62) +132.3% (220) (110) -50.0% Profit before tax 1,049 981 945 896 1,209 1,096 932 -14.9% 2,975 3,237 +8.8% Consolidated profit 723 704 680 738 848 784 687 -12.3% 2,107 2,319 +10.1% Underlying attributable profit 672 660 634 684 791 735 643 -12.6% 1,965 2,168 +10.3%

52 Wealth Management & Insurance (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 9