Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 60

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 60
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2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 261 314 439 451 431 413 373 332 -10.8% 1,465 1,548 +5.7% Net fee income 124 111 117 111 127 115 115 110 -3.7% 464 467 +0.8% Gains (losses) on financial transactions and other 20 (6) 18 21 26 30 13 16 +21.2% 54 85 +58.0% Total revenue 405 419 575 584 584 558 500 458 -8.4% 1,982 2,100 +6.0% Operating expenses (132) (132) (137) (141) (134) (134) (137) (143) +4.5% (542) (548) +1.0% Net operating income 273 286 438 443 450 425 363 315 -13.3% 1,440 1,553 +7.8% Net loan-loss provisions (14) (20) (25) (18) (7) 5 (7) (1) -79.8% (77) (11) -85.7% Other gains (losses) and provisions 1 (42) (7) (1) (3) (36) (5) (18) +249.1% (49) (61) +24.5% Profit before tax 261 223 406 423 440 394 351 296 -15.6% 1,314 1,481 +12.7% Consolidated profit 180 142 284 293 303 260 230 210 -8.7% 898 1,003 +11.6% Attributable profit 180 142 283 292 303 260 229 209 -8.7% 896 1,001 +11.7%

66 Poland (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