Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 20

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 20
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 1.67 1.38 1.20 0.86 0.79 DCB Europe 0.67 0.72 0.75 0.88 0.92 0.89 0.91 US 1.98 2.06 1.94 1.82 1.73 1.69 1.65 Mexico 2.63 2.71 2.69 2.64 2.55 2.53 2.62 Brazil 4.79 4.77 4.78 4.51 4.61 4.71 4.71 Chile 0.85 0.97 1.09 1.19 1.26 1.31 1.32 Argentina 5.43 4.80 4.88 4.59 4.58 5.09 6.24 Note: Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months. * PagoNxt’s cost of risk is not provided as we do not consider it a relevant metric for this type of business.

27 Supplementary information Balance sheet and capital management NIM, yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

28 Grupo Santander (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 11,983 11,474 11,225 11,986 11,378 11,338 11,100 -2.1% 34,682 33,816 -2.5% Net fee income 3,240 3,237 3,189 3,344 3,369 3,315 3,327 +0.4% 9,666 10,011 +3.6% Gains (losses) on financial transactions and other 157 959 721 696 790 820 840 +2.4% 1,837 2,450 +33.4% Total revenue 15,380 15,670 15,