Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 42

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 42
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M'25 / 9M'24 Net interest income 449 430 419 408 375 354 350 -0.9% 1,298 1,079 -16.9% Net fee income 365 356 369 408 419 423 415 -2.0% 1,090 1,257 +15.4% Gains (losses) on financial transactions and other 91 146 152 211 225 235 249 +5.9% 389 710 +82.3% Total revenue 905 932 940 1,027 1,019 1,012 1,014 +0.2% 2,777 3,046 +9.7% Operating expenses (343) (341) (351) (417) (372) (354) (369) +4.2% (1,035) (1,094) +5.7% Net operating income 562 591 589 610 647 659 646 -1.9% 1,742 1,952 +12.1% Net loan-loss provisions (4) (13) (9) (18) (8) (13) 10 — (26) (11) -57.6% Other gains (losses) and provisions (27) (2) (8) 15 (1) (10) (5) -55.9% (38) (16) -58.3% Profit before tax 531 575 572 606 639 635 651 +2.5% 1,678 1,925 +14.7% Consolidated profit 396 437 452 465 497 500 514 +2.8% 1,286 1,511 +17.5% Underlying attributable profit 376 418 433 445 471 477 491 +3.0% 1,227 1,439 +17.3%

53 Wealth Management & Insurance (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 440 421 415 403 368