Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 24

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 24
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0.2% Net fee income 347 373 372 353 359 +1.6% 347 359 +3.5% Total revenue 1,849 1,985 1,958 1,969 1,878 -4.6% 1,849 1,878 +1.6% Operating expenses (737) (729) (740) (770) (761) -1.2% (737) (761) +3.3% Net loan-loss provisions (658) (684) (730) (736) (718) -2.4% (658) (718) +9.1% Profit before tax 294 371 318 294 233 -20.9% 294 233 -20.8%

39 Retail & Commercial Banking Brazil (BRL mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q1'25 / Q4'24 Q1'24 Q1'25 Q1'25 / Q1'24 Net interest income 9,456 9,756 10,300 9,959 9,436 -5.2% 9,456 9,436 -0.2% Net fee income 2,135 2,294 2,290 2,174 2,209 +1.6% 2,135 2,209 +3.5% Total revenue 11,377 12,214 12,044 12,115 11,555 -4.6% 11,377 11,555 +1.6% Operating expenses (4,532) (4,485) (4,555) (4,737) (4,681) -1.2% (4,532) (4,681) +3.3% Net loan-loss provisions (4,049) (4,208) (4,490) (4,526) (4,419) -2.4% (4,049) (4,419) +9.1% Profit before tax 1,809 2,281 1,954 1,811 1,433 -20.9% 1,809 1,433 -20.8%

40 Digital Consumer Bank (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3