Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 77

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 77
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.7% 52 57 +10.9% Gains (losses) on financial transactions and other 1 2 (0) 3 (4) 0 3 (7) — 6 (8) — Total revenue 14 16 17 19 9 17 21 10 -53.4% 66 57 -13.9% Operating expenses (47) (50) (51) (51) (56) (51) (50) (48) -3.0% (199) (206) +3.3% Net operating income (33) (34) (34) (32) (48) (34) (29) (39) +33.7% (133) (149) +11.7% Net loan-loss provisions (2) (1) (2) (0) (0) (1) (0) (1) +40.0% (5) (2) -54.0% Other gains (losses) and provisions (0) (1) (0) (6) (8) (84) (0) 8 — (7) (85) — Profit before tax (35) (36) (36) (38) (56) (119) (30) (32) +6.8% (145) (236) +62.8% Consolidated profit (33) (50) (47) (11) (47) (111) (25) (19) -21.7% (140) (202) +44.4% Attributable profit (32) (49) (47) (10) (47) (111) (25) (19) -25.0% (138) (201) +45.5%

82 Other North America (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 0 3 2 3 1 2 3 2 -32.9% 8 7 -16.7% Net fee income 12 11 15 13 12 15 16 14 -7.6% 52 57 +10.