Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 59

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 59
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) (284) (307) +8.4% (864) (926) +7.3% Other gains (losses) and provisions (69) (124) (61) (481) (43) (111) (59) -46.2% (254) (213) -15.9% Profit before tax 401 356 402 (28) 357 371 485 +30.9% 1,159 1,212 +4.6% Consolidated profit 297 279 302 (2) 256 262 380 +45.1% 878 899 +2.4% Underlying attributable profit 229 224 243 (54) 193 203 289 +42.4% 696 685 -1.6%

71 Digital Consumer Bank Europe (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 1,092 1,091 1,070 1,106 1,109 1,155 1,209 +4.7% 3,253 3,473 +6.8% Net fee income 220 231 229 222 187 185 199 +7.4% 680 571 -16.1% Gains (losses) on financial transactions and other 95 120 100 100 102 85 99 +16.9% 316 287 -9.2% Total revenue 1,407 1,443 1,399 1,427 1,399 1,424 1,507 +5.8% 4,249 4,330 +1.9% Operating expenses (663) (654) (657) (629) (665) (660) (653) -1.0% (1,974) (1,978) +0.2% Net operating income 744 789 742 799 734 765 854 +11.6% 2,275 2,352 +3.4% Net loan-loss provisions (275) (309) (279) (345) (335) (284) (308