Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 46

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 46
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 17 44 +154.2% 100 95 -4.8% Total revenue 283 300 311 346 317 325 353 +8.5% 894 994 +11.2% Operating expenses (304) (297) (288) (271) (286) (290) (280) -3.5% (889) (856) -3.7% Net operating income (21) 4 23 75 31 35 73 +108.9% 5 138 — Net loan-loss provisions (4) (5) (3) (4) (6) (5) (8) +68.0% (13) (19) +50.1% Other gains (losses) and provisions (2) (256) (15) (23) (12) (21) (29) +38.3% (274) (62) -77.3% Profit before tax (27) (258) 4 48 13 9 35 +298.9% (281) 57 — Consolidated profit (37) (265) (17) 28 9 11 27 +135.8% (318) 47 — Underlying attributable profit (39) (265) (21) 26 4 11 19 +73.1% (326) 35 —

57 PagoNxt (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 9M'25 9M'25 / 9M'24 Net interest income 27 28 34 34 37 43 42 -2.8% 89 122 +36.9% Net fee income 202 215 235 256 241 267 269 +0.7% 653 777 +19.1% Gains (losses) on financial transactions and other 28 35 35 50 34 17 44 +154.2% 99 95 -3.8% Total revenue 258 279 304 340 312 327 355 +8.3% 840 994 +18.3% Operating expenses (290) (285) (284) (269