Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 55

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 55
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347 -2.4% 1,238 1,070 -13.5% Net loan-loss provisions (7) 5 (7) (1) 14 (5) (7) +41.5% (10) 1 — Other gains (losses) and provisions (3) (36) (5) (18) (1) (0) 1 — (44) (0) -98.9% Profit before tax 440 394 351 296 380 350 341 -2.8% 1,185 1,071 -9.6% Consolidated profit 303 260 230 210 279 247 241 -2.6% 793 767 -3.4% Underlying attributable profit 303 260 229 209 278 247 240 -2.6% 792 765 -3.4%

67 Poland (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 686 697 727 733 744 736 737 +0.2% 2,111 2,217 +5.0% Net fee income 176 163 170 166 189 184 176 -4.2% 508 549 +8.0% Gains (losses) on financial transactions and other (28) 17 25 22 (50) 39 21 -46.5% 15 10 -30.5% Total revenue 834 878 923 921 883 959 934 -2.5% 2,634 2,776 +5.4% Operating expenses (229) (237) (252) (246) (256) (256) (259) +1.2% (719) (771) +7.3% Net operating income 605 640 670 675 627 703 675 -3.9% 1,915 2,005 +4.7% Net loan-loss provisions (130) (166) (103) (112) (78) (43) (81) +89.8% (399) (201)