Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000037
Chunk: 39

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
Form: 6-K
Chunk 39
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 (542) +3.2% (2,289) (2,159) -5.7% Net loan-loss provisions (563) (419) (725) (784) (610) (537) (641) (677) +5.5% (2,490) (2,466) -1.0% Profit before tax 187 279 41 19 121 235 85 111 +30.5% 525 551 +4.9%

45 Digital Consumer Bank US (Constant EUR mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income 1,163 1,151 1,146 1,135 1,147 1,174 1,156 1,175 +1.6% 4,596 4,651 +1.2% Net fee income 61 57 56 63 65 67 76 96 +25.7% 236 303 +28.1% Total revenue 1,346 1,328 1,358 1,332 1,309 1,346 1,300 1,343 +3.3% 5,364 5,297 -1.2% Operating expenses (601) (580) (569) (538) (547) (545) (534) (534) +0.1% (2,288) (2,159) -5.6% Net loan-loss provisions (558) (423) (728) (780) (612) (534) (651) (668) +2.7% (2,489) (2,466) -0.9% Profit before tax 186 280 42 18 121 234 87 109 +24.6% 525 551 +5.0%

46 Digital Consumer Bank US (USD mn) Change Change Underlying income statement Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q4'24 / Q3'24 2023 2024 2024 / 2023 Net interest income