Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 50

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 50
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 (98) 0 — (1) (197) — Other gains (losses) and provisions (41) (40) (160) (25) (30) (45) (181) +305.0% (240) (255) +6.3% Profit before tax (340) (266) (514) (197) (431) (375) (447) +19.2% (1,120) (1,254) +12.0% Consolidated profit (357) (252) (403) (142) (394) (319) (346) +8.3% (1,012) (1,059) +4.6% Underlying attributable profit (357) (252) (403) (142) (394) (319) (346) +8.3% (1,012) (1,059) +4.7%

61 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

62 Spain (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 1,816 1,840 1,799 1,802 1,779 1,806 1,829 +1.3% 5,454 5,414 -0.7% Net fee income 746 738 707 676 767 735 710 -3.5% 2,191 2,212 +1.0% Gains (losses) on financial transactions and other 455 471 477 448 584 495 350 -29.3% 1,403 1,429 +1.9% Total revenue 3,016 3,048 2,983 2,926 3,130 3,036 2,889 -4.8% 9,048 9,056 +0.1% Operating expenses (1,032) (1,033) (1,073) (1,133) (1,049) (1,051) (1,070) +1.9% (3