Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 61

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 61
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 +15.3% (1,821) (1,597) -12.3% Other gains (losses) and provisions (40) (43) (62) (45) (25) (26) (28) +7.4% (145) (79) -45.5% Profit before tax 274 339 217 223 447 457 425 -7.0% 830 1,328 +60.1% Consolidated profit 279 385 216 229 417 422 355 -15.9% 880 1,194 +35.7% Underlying attributable profit 279 385 216 229 417 422 355 -15.9% 880 1,194 +35.7%

73 United States (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 1,357 1,376 1,388 1,392 1,412 1,470 1,530 +4.1% 4,121 4,412 +7.1% Net fee income 259 262 291 303 334 329 351 +6.7% 813 1,014 +24.7% Gains (losses) on financial transactions and other 200 193 161 159 151 142 138 -3.0% 553 431 -22.1% Total revenue 1,816 1,832 1,839 1,854 1,897 1,941 2,018 +4.0% 5,487 5,856 +6.7% Operating expenses (913) (928) (925) (943) (949) (951) (952) +0.1% (2,766) (2,852) +3.1% Net operating income 902 904 914 911 948 990 1,066 +7.8% 2,720 3,004 +10.4% Net loan-loss provisions (598) (535) (639) (656) (504) (501) (592) +