Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 20

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 20
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1,800 1,673 1,794 +7.2% 1,780 1,794 +0.8% Operating expenses (567) (558) (562) (600) (571) -5.0% (567) (571) +0.7% Net loan-loss provisions (284) (287) (230) (292) (291) -0.2% (284) (291) +2.8% Profit before tax 580 739 905 573 810 +41.3% 580 810 +39.7%

31 Retail & Commercial Banking UK (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 1,119 1,128 1,189 1,236 1,224 -1.0% 1,119 1,224 +9.4% Net fee income 1 (16) (2) (15) 5 — 1 5 +699.3% Total revenue 1,112 1,112 1,193 1,200 1,190 -0.9% 1,112 1,190 +7.0% Operating expenses (651) (643) (632) (675) (638) -5.4% (651) (638) -1.9% Net loan-loss provisions (9) (11) (17) 23 (36) — (9) (36) +310.2% Profit before tax 368 400 451 382 348 -8.9% 368 348 -5.4%

32 Retail & Commercial Banking UK (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 1,147 1,152 1,202 1,232 1,224 -0.6% 1,147 1,224 +6.8% Net fee income 1 (16) (2) (16) 5 — 1 5 +680.2