Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 28

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 28
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 9M'25 / 9M'24 Net interest income 958 963 1,004 1,029 1,023 997 999 +0.2% 2,925 3,020 +3.2% Net fee income 1 (13) (2) (13) 4 2 8 +293.1% (15) 14 — Gains (losses) on financial transactions and other (7) (1) 6 (17) (33) (23) (13) -42.7% (1) (70) — Total revenue 952 948 1,008 999 994 976 994 +1.8% 2,909 2,964 +1.9% Operating expenses (557) (549) (534) (562) (533) (533) (515) -3.5% (1,640) (1,582) -3.5% Net loan-loss provisions (8) (9) (14) 20 (30) (38) 3 — (31) (64) +106.6% Other gains (losses) and provisions (72) (49) (80) (140) (140) (125) (61) -50.9% (201) (326) +61.8% Profit before tax 315 341 381 317 291 280 421 +50.2% 1,037 992 -4.3%

37 Retail & Commercial Banking Mexico (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q3'25 / Q2'25 9M'24 9M'25 9M'25 / 9M'24 Net interest income 819 804 747 765 756 735 762 +3.6% 2,369 2,253 -4.9% Net fee income 175 197 171 156 171 177 179 +1.1% 544 527 -3.1% Gains (losses) on financial transactions and other (25) 8 (20) (28) (31) (21) (8) -61.1% (37) (60) +65.0% Total revenue 969 1,