Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 36

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 36
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067 -8.5% 1,035 1,067 +3.1% Operating expenses (334) (309) (286) (340) (322) -5.5% (334) (322) -3.7% Net operating income 701 731 692 826 745 -9.8% 701 745 +6.4% Net loan-loss provisions (414) (429) (410) (444) (486) +9.3% (414) (486) +17.3% Other gains (losses) and provisions (20) (9) (19) (16) (24) +50.4% (20) (24) +17.7% Profit before tax 266 294 263 366 235 -35.6% 266 235 -11.5% Consolidated profit 173 194 169 247 141 -42.7% 173 141 -18.4% Attributable profit 155 175 147 226 121 -46.3% 155 121 -21.6%

56 Cards (Constant EUR 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 568 555 543 646 647 +0.2% 568 647 +13.8% Net fee income 408 426 446 465 449 -3.5% 408 449 +9.9% Gains (losses) on financial transactions and other (33) (14) (22) 51 (29) — (33) (29) -13.2% Total revenue 943 966 968 1,162 1,067 -8.2% 943 1,067 +13.1% Operating expenses (315) (292) (285) (342) (322) -5.9% (315) (322) +2.2% Net operating income 628 674 682 820 745 -9.2% 628 745 +18.6% Net loan-loss provisions (366) (391) (403) (443) (486) +9.7% (366) (486) +32.6%