Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 47

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 47
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) (283) (292) (281) -3.6% (859) (856) -0.3% Net operating income (32) (6) 19 70 29 36 74 +105.7% (18) 138 — Net loan-loss provisions (3) (5) (3) (4) (6) (5) (8) +67.6% (12) (19) +59.4% Other gains (losses) and provisions (2) (256) (14) (22) (12) (21) (29) +37.9% (272) (62) -77.2% Profit before tax (37) (267) 2 45 11 10 36 +272.3% (302) 57 — Consolidated profit (44) (270) (18) 26 8 12 27 +130.3% (332) 47 — Underlying attributable profit (46) (271) (22) 24 3 12 20 +69.4% (339) 35 —

58 Cards (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 632 608 551 645 647 683 663 -2.9% 1,790 1,994 +11.4% Net fee income 438 449 450 464 449 469 514 +9.5% 1,337 1,432 +7.1% Gains (losses) on financial transactions and other (35) (17) (22) 57 (29) (21) 0 — (74) (49) -33.8% Total revenue 1,035 1,040 978 1,166 1,067 1,132 1,178 +4.0% 3,054 3,376 +10.6% Operating expenses (334) (309) (286) (340) (322) (302) (305) +1.1% (930) (929) -0.1% Net operating income 701 731 692