Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 18

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 18
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36) -74.3% (284) (36) -87.3% Total revenue 8,061 8,217 7,939 8,158 7,895 -3.2% 8,061 7,895 -2.1% Operating expenses (3,285) (3,098) (3,082) (3,331) (3,113) -6.6% (3,285) (3,113) -5.2% Net operating income 4,776 5,118 4,856 4,827 4,782 -0.9% 4,776 4,782 +0.1% Net loan-loss provisions (1,523) (1,563) (1,371) (1,387) (1,431) +3.1% (1,523) (1,431) -6.1% Other gains (losses) and provisions (838) (727) (478) (832) (528) -36.5% (838) (528) -37.0% Profit before tax 2,414 2,828 3,007 2,608 2,823 +8.2% 2,414 2,823 +16.9% Consolidated profit 1,634 1,957 2,185 1,993 2,065 +3.6% 1,634 2,065 +26.4% Attributable profit 1,539 1,835 2,012 1,862 1,902 +2.1% 1,539 1,902 +23.6%

29 Retail & Commercial Banking (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 6,849 6,626 6,794 7,166 6,721 -6.2% 6,849 6,721 -1.9% Net fee income 1,134 1,122 1,147 1,174 1,210 +3.1% 1,134 1,210 +6.7% Gains (losses) on financial transactions and