Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 27

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 27
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237) (383) +61.9% Profit before tax 368 400 451 382 348 330 488 +48.0% 1,218 1,166 -4.2%

35 Retail & Commercial Banking UK (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 1,127 1,132 1,181 1,210 1,203 1,172 1,175 +0.2% 3,439 3,550 +3.2% Net fee income 1 (16) (2) (15) 5 2 9 +293.1% (17) 16 — Gains (losses) on financial transactions and other (8) (1) 7 (20) (39) (27) (16) -42.7% (2) (82) — Total revenue 1,119 1,115 1,186 1,175 1,169 1,147 1,168 +1.8% 3,420 3,485 +1.9% Operating expenses (655) (645) (628) (660) (627) (627) (605) -3.5% (1,928) (1,860) -3.5% Net loan-loss provisions (9) (11) (17) 23 (35) (44) 4 — (37) (76) +106.6% Other gains (losses) and provisions (85) (58) (94) (164) (165) (147) (72) -50.9% (237) (383) +61.8% Profit before tax 370 401 448 373 342 330 495 +50.2% 1,219 1,166 -4.3%

36 Retail & Commercial Banking UK (GBP 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