Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 31

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 31
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6,818 7,360 7,405 7,368 -0.5% 19,171 22,134 +15.5%

40 Retail & Commercial Banking Brazil (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 1,759 1,740 1,695 1,600 1,534 1,503 1,452 -3.3% 5,194 4,489 -13.6% Net fee income 397 409 376 348 359 333 314 -5.6% 1,183 1,006 -14.9% Gains (losses) on financial transactions and other (40) 31 (96) (1) (15) (57) (47) -16.6% (105) (118) +13.1% Total revenue 2,117 2,180 1,975 1,948 1,878 1,779 1,719 -3.3% 6,272 5,376 -14.3% Operating expenses (843) (799) (746) (763) (761) (724) (709) -2.1% (2,389) (2,193) -8.2% Net loan-loss provisions (753) (751) (740) (730) (718) (713) (603) -15.4% (2,244) (2,034) -9.3% Other gains (losses) and provisions (184) (222) (170) (167) (166) (187) (163) -12.5% (576) (516) -10.3% Profit before tax 337 408 319 288 233 156 244 +57.1% 1,064 633 -40.5%

41 Retail & Commercial Banking Brazil (Constant 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