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

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 25
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0.1% Net loan-loss provisions (1,378) (1,443) (1,336) (1,376) (1,402) (1,415) (1,289) -8.9% (4,156) (4,105) -1.2% Other gains (losses) and provisions (811) (701) (473) (830) (520) (699) (498) -28.8% (1,984) (1,717) -13.5% Profit before tax 2,318 2,724 2,975 2,586 2,792 2,657 2,907 +9.4% 8,017 8,356 +4.2% Consolidated profit 1,569 1,879 2,158 1,971 2,039 1,950 2,187 +12.1% 5,606 6,176 +10.2% Underlying attributable profit 1,476 1,761 1,985 1,840 1,879 1,794 1,997 +11.3% 5,222 5,670 +8.6%

33 Retail & Commercial Banking 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 1,472 1,471 1,495 1,430 1,467 1,448 1,443 -0.4% 4,439 4,357 -1.8% Net fee income 283 276 270 245 291 269 259 -3.8% 829 819 -1.3% Gains (losses) on financial transactions and other 25 70 35 (3) 35 50 37 -24.9% 130 122 -5.9% Total revenue 1,780 1,818 1,800 1,673 1,794 1,766 1,739 -1.6% 5,398 5,299 -1.8% Operating expenses (567) (558) (562