Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 28

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 28
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84 -12.5% 64 84 +31.2% Total revenue 1,304 1,352 1,279 1,361 1,362 +0.0% 1,304 1,362 +4.4% Operating expenses (545) (547) (525) (542) (574) +5.9% (545) (574) +5.3% Net loan-loss provisions (610) (537) (641) (677) (524) -22.6% (610) (524) -14.2% Profit before tax 121 235 85 111 236 +113.2% 121 236 +95.3%

45 Digital Consumer Bank US (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 1,179 1,207 1,188 1,207 1,221 +1.1% 1,179 1,221 +3.6% Net fee income 66 69 78 98 84 -14.0% 66 84 +27.2% Total revenue 1,345 1,383 1,336 1,380 1,362 -1.3% 1,345 1,362 +1.2% Operating expenses (562) (560) (549) (549) (574) +4.5% (562) (574) +2.1% Net loan-loss provisions (629) (549) (669) (687) (524) -23.7% (629) (524) -16.8% Profit before tax 125 241 90 112 236 +111.4% 125 236 +89.4%

46 Digital Consumer Bank US (USD mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 1,240 1,270 1,250 1,271 1,285 +1.1% 1,240 1,285