Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 43

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 43
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356 355 -0.1% 1,275 1,079 -15.4% Net fee income 353 343 364 402 411 426 421 -1.2% 1,060 1,257 +18.7% Gains (losses) on financial transactions and other 82 136 147 209 222 237 251 +6.0% 365 710 +94.4% Total revenue 874 900 926 1,014 1,001 1,018 1,027 +0.8% 2,700 3,046 +12.8% Operating expenses (331) (329) (346) (409) (364) (356) (374) +5.1% (1,007) (1,094) +8.7% Net operating income 542 570 580 605 638 662 652 -1.5% 1,693 1,952 +15.3% Net loan-loss provisions (4) (13) (9) (18) (8) (13) 10 — (25) (11) -56.8% Other gains (losses) and provisions (27) (2) (8) 15 (1) (10) (4) -57.4% (38) (16) -58.2% Profit before tax 511 555 563 602 629 638 657 +3.0% 1,630 1,925 +18.1% Consolidated profit 380 420 445 461 489 503 519 +3.3% 1,245 1,511 +21.3% Underlying attributable profit 361 402 425 441 464 479 496 +3.4% 1,188 1,439 +21.1%

54 Payments (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 662 639 586 680 685 726 705 -2.9% 1,887 2,116 +12.1% Net fee income 662