Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000136
Chunk: 24

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 24
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0% Profit before tax 2,414 2,828 3,007 2,608 2,823 2,645 2,888 +9.2% 8,249 8,356 +1.3% Consolidated profit 1,634 1,957 2,185 1,993 2,065 1,941 2,171 +11.8% 5,776 6,176 +6.9% Underlying attributable profit 1,539 1,835 2,012 1,862 1,902 1,785 1,984 +11.1% 5,385 5,670 +5.3%

32 Retail & Commercial Banking (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 6,755 6,525 6,688 7,059 6,616 6,661 6,493 -2.5% 19,968 19,770 -1.0% Net fee income 1,117 1,104 1,129 1,156 1,191 1,197 1,141 -4.7% 3,350 3,529 +5.4% Gains (losses) on financial transactions and other (276) 169 (10) (142) (34) 9 63 +573.8% (118) 38 — Total revenue 7,595 7,798 7,807 8,073 7,773 7,868 7,696 -2.2% 23,200 23,337 +0.6% Operating expenses (3,088) (2,931) (3,024) (3,282) (3,059) (3,097) (3,003) -3.0% (9,043) (9,159) +1.3% Net operating income 4,507 4,867 4,783 4,791 4,714 4,771 4,693 -1.6% 14,157 14,178 +