Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 28

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 28
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 & Commercial Banking Spain (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 1,078 1,305 1,395 1,412 1,489 1,489 1,503 1,435 -4.5% 5,190 5,916 +14.0% Net fee income 291 290 255 260 282 275 269 244 -9.3% 1,096 1,071 -2.3% Total revenue 1,417 1,558 1,685 1,482 1,797 1,829 1,825 1,739 -4.7% 6,143 7,190 +17.0% Operating expenses (591) (596) (611) (606) (584) (576) (579) (617) +6.4% (2,403) (2,356) -1.9% Net loan-loss provisions (405) (369) (342) (322) (284) (287) (230) (292) +27.1% (1,437) (1,092) -24.0% Profit before tax 86 394 539 361 566 734 906 652 -28.1% 1,380 2,858 +107.1%

31 Retail & Commercial Banking UK (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 1,219 1,232 1,275 1,164 1,119 1,128 1,189 1,236 +4.0% 4,889 4,672 -4.4% Net fee income 9 0 14 (4) 3 (13) 2 (12) — 20 (21) — Total revenue 1,230 1,238 1,333 1,140