Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 38

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 38
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641) (677) (524) (466) (541) +16.2% (1,789) (1,531) -14.4% Other gains (losses) and provisions (28) (33) (28) (32) (28) (19) (19) +3.0% (89) (66) -26.1% Profit before tax 121 235 85 111 236 265 168 -36.8% 440 669 +51.8%

48 Digital Consumer Bank US (Constant 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 1,110 1,137 1,119 1,137 1,150 1,147 1,185 +3.3% 3,367 3,482 +3.4% Net fee income 63 65 74 93 80 91 90 -1.0% 201 261 +29.8% Gains (losses) on financial transactions and other 94 102 66 70 53 51 17 -67.4% 262 121 -53.7% Total revenue 1,267 1,303 1,259 1,300 1,283 1,289 1,292 +0.2% 3,829 3,864 +0.9% Operating expenses (529) (527) (517) (517) (540) (529) (529) +0.0% (1,573) (1,598) +1.6% Net loan-loss provisions (593) (517) (630) (647) (494) (474) (563) +19.0% (1,741) (1,531) -12.1% Other gains (losses) and provisions (28) (32) (27) (31) (27) (19) (20) +5.4% (87) (66) -24.0% Profit before tax 117 227 84 105 222 267 179 -33.1% 428 669 +56