Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 34

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 34
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146 139 138 102 99 -3.6% 488 340 -30.4% Total revenue 3,184 3,265 3,133 3,330 3,234 3,191 3,242 +1.6% 9,582 9,667 +0.9% Operating expenses (1,311) (1,307) (1,278) (1,287) (1,357) (1,308) (1,285) -1.7% (3,896) (3,950) +1.4% Net operating income 1,873 1,958 1,855 2,043 1,878 1,883 1,957 +3.9% 5,686 5,717 +0.5% Net loan-loss provisions (1,137) (1,056) (1,121) (1,248) (1,119) (956) (1,069) +11.8% (3,314) (3,144) -5.1% Other gains (losses) and provisions (118) (180) (112) (530) (84) (146) (91) -37.2% (409) (321) -21.5% Profit before tax 618 723 622 265 674 781 796 +1.9% 1,963 2,251 +14.7% Consolidated profit 536 668 507 222 558 620 620 +0.0% 1,712 1,797 +5.0% Underlying attributable profit 463 606 436 153 492 551 518 -5.9% 1,506 1,561 +3.6%

44 Digital Consumer Bank (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 2,627 2,574 2,582 2,736 2,673 2,771 2,823 +1.9% 7,783 8,267 +6.2% Net fee income 343