Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 58

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 58
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 (464) (268) (848) (207) (828) (297) -64.2% (1,000) (1,332) +33.2% Profit before tax 1,786 1,575 2,165 1,578 2,102 1,981 2,236 +12.9% 5,526 6,319 +14.3% Consolidated profit 1,359 1,108 1,683 1,099 1,589 1,491 1,771 +18.8% 4,150 4,851 +16.9% Underlying attributable profit 924 744 1,099 679 998 934 1,093 +17.1% 2,767 3,024 +9.3%

70 Digital Consumer Bank Europe (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 1,095 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 operating income 745 789 742 799 736 765 852 +11.4% 2,276 2,352 +3.3% Net loan-loss provisions (276) (308) (279) (345) (336