Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000132
Chunk: 47

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 47
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 to customers excl. reverse repos |     | Customer deposits excl. 
 repos + mutual funds    |

| Consumer. Leasing portfolio.September 2025     |     |    |     |      |
| EUR billion and YoY % change in constant euros |     |    |     |      |
| Total leasing                                  |     | 14 |     | -12% |

Results In 9M 2025, attributable profit reached EUR 1,561 million, 4% higher than the same period in 2024. In constant euros, profit increased 6% year-on-year, by line: • Total income rose 3%, driven by positive trends in net interest income, which amply offset a weaker performance in the other income lines. Net interest income grew 6%, backed by notable increases across almost all our footprint, with Europe and Latin America supported by our active margin management, higher volumes and

CrediScotia's integration in Peru. In the US, higher yields more than offset weaker volumes. Net fee income declined 2%, despite double-digit growth in the US and positive trends across Latin America, mainly due to DCB Europe, which was impacted by new insurance regulation in Germany and weaker car registration trends, especially in H1 2025. Gains on financial transactions fell, mainly driven by Europe. Leasing income also decreased, particularly in the US.

| Consumer. Total income.9M 2025                 |
| EUR million and YoY % change in constant euros |

| DCB Europe |
| DCB US     |
| Other      |

|     | Var |
| +2  | %   |
| +1  | %   |
| +16 | %   |

• Costs increased 3% year-on-year. In real terms, they rose just 1%, supported by savings from our efficiency and transformation efforts, particularly in Europe and the US, as we continued to invest in our platforms, Openbank and CrediScotia's integration. • Net loan-loss provisions improved 2%, mainly driven by an excellent performance in auto in the US, which amply offset increases, mainly in Europe, and the impact of CrediScotia's integration. Credit quality remained controlled, with the cost of risk improving to 2.06%. • Other gains (losses) and provisions posted a lower loss in 9M 2025 compared to 9M 2024, mainly due to the temporary levy on revenue earned in Spain recorded in Q