Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 43

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 43
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11.4%

65 Poland (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 708 714 742 752 744 -1.0% 708 744 +5.2% Net fee income 181 167 173 170 189 +11.4% 181 189 +4.5% Gains (losses) on financial transactions and other (29) 18 26 23 (50) — (29) (50) +73.6% Total revenue 860 899 941 945 883 -6.5% 860 883 +2.7% Operating expenses (236) (243) (257) (252) (256) +1.4% (236) (256) +8.3% Net operating income 624 656 684 692 627 -9.4% 624 627 +0.6% Net loan-loss provisions (134) (170) (104) (115) (78) -32.4% (134) (78) -42.3% Other gains (losses) and provisions (64) (110) (64) (202) (49) -75.6% (64) (49) -23.0% Profit before tax 425 375 515 376 500 +33.2% 425 500 +17.7% Consolidated profit 323 264 401 262 378 +44.6% 323 378 +16.9% Attributable profit 220 177 262 162 237 +46.9% 220 237 +8.0%

66 Poland (PLN 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 2,973 2,999 3,115 3,158 3,126 -1.0% 2,973 3,126 +5.2% Net fee income 761 700 727 714 795 +11.4%