Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 26

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 26
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) (600) (571) (567) (558) -1.6% (1,687) (1,696) +0.5% Net loan-loss provisions (284) (287) (230) (292) (291) (244) (230) -5.7% (801) (765) -4.4% Other gains (losses) and provisions (350) (233) (103) (207) (122) (119) (150) +26.0% (686) (390) -43.1% Profit before tax 580 739 905 573 810 837 801 -4.3% 2,224 2,447 +10.0%

34 Retail & Commercial Banking UK (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 1,119 1,128 1,189 1,236 1,224 1,174 1,152 -1.9% 3,436 3,550 +3.3% Net fee income 1 (16) (2) (15) 5 2 9 +293.1% (17) 16 — Gains (losses) on financial transactions and other (8) (1) 7 (20) (39) (27) (15) -44.9% (2) (82) — Total revenue 1,112 1,112 1,193 1,200 1,190 1,149 1,146 -0.3% 3,417 3,485 +2.0% Operating expenses (651) (643) (632) (675) (638) (628) (593) -5.6% (1,926) (1,860) -3.5% Net loan-loss provisions (9) (11) (17) 23 (36) (44) 5 — (37) (76) +106.8% Other gains (losses) and provisions (85) (58) (94) (167) (168) (147) (69) -52.9% (