Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 23

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 23
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 10,337 +15.7%

30 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

31 Retail & Commercial Banking (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 7,139 6,857 6,807 7,134 6,721 6,618 6,431 -2.8% 20,803 19,770 -5.0% Net fee income 1,205 1,184 1,153 1,164 1,210 1,187 1,133 -4.6% 3,543 3,529 -0.4% Gains (losses) on financial transactions and other (284) 176 (21) (140) (36) 10 63 +507.7% (130) 38 — Total revenue 8,061 8,217 7,939 8,158 7,895 7,816 7,627 -2.4% 24,216 23,337 -3.6% Operating expenses (3,285) (3,098) (3,082) (3,331) (3,113) (3,075) (2,971) -3.4% (9,465) (9,159) -3.2% Net operating income 4,776 5,118 4,856 4,827 4,782 4,740 4,655 -1.8% 14,751 14,178 -3.9% Net loan-loss provisions (1,523) (1,563) (1,371) (1,387) (1,431) (1,399) (1,275) -8.8% (4,458) (4,105) -7.9% Other gains (losses) and provisions (838) (727) (478) (832) (528) (697) (492) -29.4% (2,043) (1,717) -16.