Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 45

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 45
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,209 +15.8% Gains (losses) on financial transactions and other (5) 22 14 100 5 (3) 44 — 31 46 +50.0% Total revenue 1,182 1,226 1,251 1,480 1,357 1,471 1,542 +4.8% 3,660 4,370 +19.4% Operating expenses (600) (572) (565) (607) (600) (596) (588) -1.3% (1,737) (1,785) +2.7% Net operating income 583 654 686 873 757 875 953 +8.9% 1,922 2,586 +34.5% Net loan-loss provisions (362) (387) (398) (437) (481) (485) (518) +6.7% (1,147) (1,485) +29.5% Other gains (losses) and provisions (22) (265) (33) (38) (35) (41) (40) -2.3% (319) (116) -63.8% Profit before tax 199 2 256 398 240 349 396 +13.2% 456 985 +115.9% Consolidated profit 112 (92) 145 264 145 232 257 +11.0% 165 635 +284.8% Underlying attributable profit 93 (110) 120 242 122 211 226 +7.1% 102 558 +446.4%

56 PagoNxt (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 31 31 35 35 38 42 41 -2.4% 97 122 +25.7% Net fee income 224 233 241 261 245 265 267 +0.8% 697 777 +11.4% Gains (losses) on financial transactions and other 29 36 35 50 34