Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 31

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 31
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 698 806 +15.5% 685 806 +17.7%

49 Wealth Management & Insurance (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 449 430 419 408 375 -8.2% 449 375 -16.3% Net fee income 365 356 369 408 419 +2.9% 365 419 +14.8% Gains (losses) on financial transactions and other 91 146 152 211 225 +6.9% 91 225 +146.5% Total revenue 905 932 940 1,027 1,019 -0.7% 905 1,019 +12.6% Operating expenses (343) (341) (351) (417) (372) -10.8% (343) (372) +8.5% Net operating income 562 591 589 610 647 +6.2% 562 647 +15.2% Net loan-loss provisions (4) (13) (9) (18) (8) -57.7% (4) (8) +99.7% Other gains (losses) and provisions (27) (2) (8) 15 (1) — (27) (1) -97.3% Profit before tax 531 575 572 606 639 +5.4% 531 639 +20.3% Consolidated profit 396 437 452 465 497 +6.8% 396 497 +25.4% Attributable profit 376 418 433 445 471 +6.0% 376 471 +25.2%

50 Wealth Management & Insurance (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 447 428 422 410 375 -8.5% 447 375 -16.1% Net fee income 360 350 371 409