Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 32

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 32
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9M'25 9M'25 / 9M'24 Net interest income 1,498 1,545 1,631 1,577 1,495 1,529 1,465 -4.1% 4,674 4,489 -4.0% Net fee income 338 363 363 344 350 339 317 -6.4% 1,064 1,006 -5.5% Gains (losses) on financial transactions and other (34) 26 (87) (3) (14) (57) (48) -16.1% (94) (118) +25.7% Total revenue 1,802 1,935 1,908 1,919 1,830 1,811 1,735 -4.2% 5,645 5,376 -4.8% Operating expenses (718) (710) (721) (750) (741) (737) (715) -3.0% (2,150) (2,193) +2.0% Net loan-loss provisions (641) (667) (711) (717) (700) (725) (609) -15.9% (2,019) (2,034) +0.7% Other gains (losses) and provisions (156) (196) (165) (165) (162) (190) (165) -13.0% (518) (516) -0.3% Profit before tax 287 361 310 287 227 160 246 +54.0% 957 633 -33.9%

42 Retail & Commercial Banking Brazil (BRL 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 9,456 9,756 10,300 9,959 9,436 9,650 9,252 -4.1% 29,511 28,338 -4.0% Net fee income 2,135 2,294 2,290 2,174 2,209 2,140 2,