Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000134
Chunk: 31

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 31
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s and other provisions -452 -241 Tax and minority interests 195 108 Attributable profit -1,059 -1,012 (*) € mn.

45 Detail by country

46 Note: Sep-25 data and YoY changes (loans, deposits and mutual funds in constant euros). SPAIN UK Underlying P&L* Q3'25 % Q2'25 9M'25 % 9M'24 NII 1,829 1.3 5,414 -0.7 Net fee income 710 -3.5 2,212 1.0 Total revenue 2,889 -4.8 9,056 0.1 Operating expenses -1,070 1.9 -3,170 1.0 Net operating income 1,819 -8.4 5,886 -0.4 LLPs -242 -18.2 -841 -10.3 Attributable profit 975 -12.2 3,233 14.0 (*) € mn and % change. Underlying P&L* Q3'25 % Q2'25 9M'25 % 9M'24 % 9M'24¹ NII 1,220 0.2 3,763 3.4 3.5 Net fee income 92 12.1 259 16.2 16.3 Total revenue 1,297 1.7 3,939 2.0 2.0 Operating expenses -667 -3.6 -2,095 -3.2 -3.1 Net operating income 629 8.1 1,844 8.5 8.6 LLPs -6 -87.7 -119 21.2 21.3 Attributable profit 398 46.6 958 -1.9 -1.8 (*) € mn and % change in constant euros. (1) % change in current euros. Loans €233bn +2% Deposits €314bn +6% Mutual funds €103bn +15% Efficiency 35.0% +0.3pp CoR 0.45% -6bps Loans €227bn 0% Deposits €216bn +1% Mutual funds €8bn +3% Efficiency 53.2% -2.8pp • Loans flat YoY, with positive new business trends in 2025. Deposits increased, driven by