Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 37

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 37
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 -9.2% Total revenue 1,407 1,443 1,399 1,427 1,399 1,424 1,507 +5.8% 4,249 4,330 +1.9% Operating expenses (663) (654) (657) (629) (665) (660) (653) -1.0% (1,974) (1,978) +0.2% Net loan-loss provisions (275) (309) (279) (345) (335) (284) (308) +8.5% (863) (926) +7.4% Other gains (losses) and provisions (69) (125) (61) (480) (43) (111) (60) -46.0% (255) (213) -16.3% Profit before tax 400 354 403 (26) 356 370 486 +31.3% 1,157 1,212 +4.8%

47 Digital Consumer Bank US (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 1,143 1,179 1,138 1,191 1,221 1,129 1,132 +0.2% 3,460 3,482 +0.6% Net fee income 64 67 75 97 84 90 86 -4.3% 206 261 +26.3% Gains (losses) on financial transactions and other 97 106 66 74 57 50 14 -71.7% 269 121 -54.9% Total revenue 1,304 1,352 1,279 1,361 1,362 1,270 1,232 -3.0% 3,935 3,864 -1.8% Operating expenses (545) (547) (525) (542) (574) (520) (504) -3.1% (1,617) (1,598) -1.2% Net loan-loss provisions (610) (537) (