Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 35

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 35
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 374 369 388 333 343 384 +12.0% 1,087 1,060 -2.4% Gains (losses) on financial transactions and other 117 219 145 134 135 103 102 -1.5% 482 340 -29.5% Total revenue 3,087 3,168 3,097 3,258 3,140 3,217 3,310 +2.9% 9,352 9,667 +3.4% Operating expenses (1,283) (1,276) (1,267) (1,261) (1,319) (1,318) (1,313) -0.4% (3,826) (3,950) +3.2% Net operating income 1,804 1,892 1,829 1,997 1,821 1,899 1,997 +5.2% 5,526 5,717 +3.5% Net loan-loss provisions (1,087) (1,015) (1,104) (1,215) (1,081) (969) (1,094) +13.0% (3,206) (3,144) -1.9% Other gains (losses) and provisions (115) (177) (110) (527) (82) (146) (93) -36.5% (401) (321) -20.0% Profit before tax 603 700 615 255 658 784 810 +3.3% 1,918 2,251 +17.4% Consolidated profit 523 649 501 213 541 623 633 +1.7% 1,674 1,797 +7.4% Underlying attributable profit 451 587 431 145 475 554 532 -4.0% 1,470 1,561 +6.2%

45 Digital Consumer Bank Europe (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 1,095