Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 44

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 44
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682 691 725 693 734 781 +6.4% 2,035 2,209 +8.6% Gains (losses) on financial transactions and other (6) 19 13 107 5 (3) 44 — 26 46 +79.6% Total revenue 1,318 1,341 1,289 1,512 1,383 1,457 1,530 +5.0% 3,948 4,370 +10.7% Operating expenses (639) (606) (574) (611) (608) (592) (585) -1.2% (1,818) (1,785) -1.9% Net operating income 679 735 715 901 776 865 945 +9.3% 2,129 2,586 +21.4% Net loan-loss provisions (418) (434) (414) (448) (492) (479) (514) +7.5% (1,266) (1,485) +17.3% Other gains (losses) and provisions (23) (265) (33) (39) (36) (40) (39) -2.5% (322) (116) -64.1% Profit before tax 238 36 267 414 248 346 391 +13.2% 541 985 +82.0% Consolidated profit 136 (70) 152 275 150 230 255 +10.7% 218 635 +190.8% Underlying attributable profit 115 (90) 126 252 126 209 223 +7.0% 151 558 +269.4%

55 Payments (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 584 572 565 668 671 734 710 -3.3% 1,722 2,116 +22.9% Net fee income 603 632 672 712 681 741 787 +6.3% 1,908 2