Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 36

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 36
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1,092 1,069 1,105 1,112 1,155 1,207 +4.5% 3,256 3,473 +6.7% Net fee income 220 231 229 222 188 185 198 +7.3% 680 571 -16.1% Gains (losses) on financial transactions and other 95 120 100 100 103 85 99 +16.1% 316 287 -9.3% Total revenue 1,410 1,444 1,398 1,427 1,402 1,424 1,504 +5.6% 4,252 4,330 +1.8% Operating expenses (665) (655) (656) (629) (667) (660) (652) -1.2% (1,976) (1,978) +0.1% Net loan-loss provisions (276) (308) (279) (345) (336) (284) (307) +8.4% (864) (926) +7.3% Other gains (losses) and provisions (69) (124) (61) (481) (43) (111) (59) -46.2% (254) (213) -15.9% Profit before tax 401 356 402 (28) 357 371 485 +30.9% 1,159 1,212 +4.6%

46 Digital Consumer Bank Europe (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 1,092 1,091 1,070 1,106 1,109 1,155 1,209 +4.7% 3,253 3,473 +6.8% Net fee income 220 231 229 222 187 185 199 +7.4% 680 571 -16.1% Gains (losses) on financial transactions and other 95 120 100 100 102 85 99 +16.9% 316 287