Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 27

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 27
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14.6% Total revenue 1,410 1,444 1,398 1,427 1,402 -1.7% 1,410 1,402 -0.5% Operating expenses (665) (655) (656) (629) (667) +6.0% (665) (667) +0.3% Net loan-loss provisions (276) (308) (279) (345) (336) -2.8% (276) (336) +21.7% Profit before tax 401 356 402 (28) 357 — 401 357 -11.0%

43 Digital Consumer Bank Europe (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 1,095 1,094 1,073 1,109 1,112 +0.3% 1,095 1,112 +1.5% Net fee income 220 231 229 222 188 -15.6% 220 188 -14.7% Total revenue 1,411 1,447 1,403 1,431 1,402 -2.0% 1,411 1,402 -0.6% Operating expenses (665) (655) (658) (630) (667) +5.8% (665) (667) +0.3% Net loan-loss provisions (275) (311) (280) (346) (336) -2.9% (275) (336) +21.8% Profit before tax 401 355 404 (31) 357 — 401 357 -11.0%

44 Digital Consumer Bank US (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 1,143 1,179 1,138 1,191 1,221 +2.5% 1,143 1,221 +6.8% Net fee income 64 67 75 97