Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 61

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 61
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2023 2024 2024 / 2023 Net interest income 586 623 662 673 686 697 727 733 +0.8% 2,543 2,844 +11.8% Net fee income 145 144 148 153 176 163 170 166 -2.3% 589 674 +14.4% Gains (losses) on financial transactions and other (2) 13 25 13 (28) 17 25 22 -12.6% 49 37 -25.3% Total revenue 729 780 835 838 834 878 923 921 -0.1% 3,182 3,555 +11.7% Operating expenses (197) (207) (217) (240) (229) (237) (252) (246) -2.4% (862) (965) +11.9% Net operating income 531 573 617 598 605 640 670 675 +0.8% 2,320 2,591 +11.7% Net loan-loss provisions (151) (191) (132) (199) (130) (166) (103) (112) +9.0% (674) (511) -24.2% Other gains (losses) and provisions (44) (61) (60) (88) (62) (108) (63) (197) +214.6% (253) (429) +69.3% Profit before tax 336 321 425 310 412 366 505 366 -27.4% 1,392 1,650 +18.5% Consolidated profit 247 236 319 213 314 258 392 255 -35.0% 1,015 1,219 +20.1% Attributable profit 167 155 208 145 213 173 256 158 -38.5% 674 800 +18.8%

67 Poland (Constant 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 641