Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 22

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 22
---
2.97 3.46 4.09 6.64 5.43 4.80 4.88 4.59

24 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

25 GRUPO SANTANDER (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 10,185 10,735 11,219 11,122 11,983 11,474 11,225 11,986 +6.8% 43,261 46,668 +7.9% Net fee income 3,043 3,060 3,119 2,835 3,240 3,237 3,189 3,344 +4.9% 12,057 13,010 +7.9% Gains (losses) on financial transactions and other 707 504 523 595 157 959 721 696 -3.5% 2,329 2,533 +8.8% Total revenue 13,935 14,299 14,861 14,552 15,380 15,670 15,135 16,026 +5.9% 57,647 62,211 +7.9% Operating expenses (6,145) (6,334) (6,482) (6,464) (6,547) (6,366) (6,349) (6,772) +6.7% (25,425) (26,034) +2.4% Net operating income 7,790 7,965 8,379 8,088 8,833 9,304 8,786 9,254 +5.3% 32,222 36,177 +12.3% Net loan-loss provisions (2,873) (2,898) (3,266) (3,421) (3,125) (3,118) (2,976) (3,114) +4.6% (12,458) (12,333