Company: BCDRF
Filing Date: 2025-04-30
Form Type: 6-K
Source: 0000891478-25-000082
Chunk: 35

Company: Banco Santander, S.A.
Filing Date: 2025-04-30
Form: 6-K
Chunk 35
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'24 Q1'25 Q1'25 / Q1'24 Net interest income 27 29 34 35 38 +9.8% 27 38 +39.3% Net fee income 206 218 239 260 245 -6.1% 206 245 +18.8% Gains (losses) on financial transactions and other 29 36 35 50 34 -31.8% 29 34 +19.1% Total revenue 262 283 308 345 317 -8.2% 262 317 +21.0% Operating expenses (292) (287) (287) (272) (286) +5.3% (292) (286) -2.1% Net operating income (30) (4) 22 73 31 -58.1% (30) 31 — Net loan-loss provisions (3) (5) (3) (4) (6) +55.6% (3) (6) +69.4% Other gains (losses) and provisions (2) (256) (15) (22) (12) -46.4% (2) (12) +488.0% Profit before tax (36) (265) 4 47 13 -72.8% (36) 13 — Consolidated profit (43) (269) (17) 28 9 -67.8% (43) 9 — Attributable profit (45) (270) (21) 25 4 -82.4% (45) 4 —

55 Cards (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 632 608 551 645 647 +0.3% 632 647 +2.4% Net fee income 438 449 450 464 449 -3.2% 438 449 +2.4% Gains (losses) on financial transactions and other (35) (17) (22) 57 (29) — (35) (29) -17.6% Total revenue 1,035 1,040 978 1,166 1,