Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 53

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 53
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 (142) -64.7% (998) (1,155) +15.7% Attributable profit (279) (341) (464) 87 (357) (252) (403) (142) -64.7% (998) (1,154) +15.7%

58 Supplementary information Balance sheet and capital management NIM, Yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

59 Europe (EUR mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 3,597 3,968 4,222 4,123 4,123 4,165 4,205 4,227 +0.5% 15,910 16,720 +5.1% Net fee income 1,168 1,076 1,084 1,071 1,202 1,167 1,168 1,123 -3.9% 4,399 4,659 +5.9% Gains (losses) on financial transactions and other 406 249 458 17 484 578 573 497 -13.3% 1,130 2,131 +88.5% Total revenue 5,171 5,293 5,765 5,211 5,809 5,910 5,945 5,846 -1.7% 21,439 23,510 +9.7% Operating expenses (2,167) (2,215) (2,291) (2,357) (2,305) (2,297) (2,356) (2,450) +4.0% (9,030) (9,407) +4.2% Net operating income 3,004 3,078 3,474 2,854 3,504 3,612 3,589 3,397 -5.4% 12,409 14,102 +13.6% Net loan-loss provisions (642) (646) (662) (582) (484) (532) (427) (418) -2