Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 780

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 780
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 |     | 16,321 |      |     | 15,867 |      |

42. Commission expense

Commission expense shows the amount of all fees and commissions paid or payable by the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.

The detail of commission expense is as follows:

| EUR million                                        |     |       |      |     |       |      |     |       |      |
|                                                    |     |       | 2024 |     |       | 2023 |     |       | 2022 |
| Commissions assigned to third parties              |     | 2,686 |      |     | 2,644 |      |     | 2,554 |      |
| Cards                                              |     | 1,854 |      |     | 1,891 |      |     | 1,872 |      |
| By collection and return of effects                |     |    30 |      |     |    24 |      |     |    18 |      |
| Other fees assigned                                |     |   802 |      |     |   729 |      |     |   664 |      |
| Other commissions paid                             |     | 1,906 |      |     | 1,620 |      |     | 1,523 |      |
| Brokerage fees on lending and deposit transactions |     |    84 |      |     |   105 |      |     |    77 |      |
| Sales of insurance and pension funds               |     |   459 |      |     |   358 |      |     |   340 |      |
| Other fees and commissions                         |     | 1,363 |      |     | 1,157 |      |     | 1,106 |      |
|                                                    |     | 4,592 |      |     | 4,264 |      |     | 4,077 |      |

43. Gains or losses on financial assets and liabilities

The following information is presented below regarding the gains or losses recorded for financial assets or liabilities:

a) Breakdown

The detail, by origin, of Gains/losses on financial assets and liabilities:

| EUR million                                                                                                    |     |       |      |     |       |      |     |       |      |
|                                                                                                                |     |       | 2024 |     |       | 2023 |     |