Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 38

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 38
---
 / Q3'24 2023 2024 2024 / 2023 Net interest income 1,030 1,016 1,070 1,087 1,093 1,092 1,070 1,106 +3.4% 4,203 4,361 +3.8% Net fee income 191 204 211 192 220 231 229 222 -3.1% 798 902 +13.1% Total revenue 1,345 1,321 1,414 1,437 1,408 1,443 1,400 1,428 +2.0% 5,517 5,679 +2.9% Operating expenses (659) (657) (653) (653) (664) (654) (657) (629) -4.3% (2,622) (2,604) -0.7% Net loan-loss provisions (193) (226) (225) (152) (275) (309) (280) (346) +23.6% (796) (1,209) +51.9% Profit before tax 449 480 511 583 400 356 402 (28) — 2,023 1,131 -44.1%

44 Digital Consumer Bank US (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 1,173 1,145 1,140 1,142 1,143 1,179 1,138 1,191 +4.7% 4,599 4,651 +1.1% Net fee income 62 56 55 63 64 67 75 97 +28.8% 237 303 +28.1% Total revenue 1,357 1,320 1,351 1,340 1,304 1,352 1,279 1,361 +6.4% 5,367 5,297 -1.3% Operating expenses (606) (577) (565) (541) (545) (547) (525)