Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 31

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 31
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 -3.6% (2,617) (2,664) +1.8% Net operating income 1,873 1,958 1,855 2,043 1,878 1,883 +0.3% 3,832 3,761 -1.9% Net loan-loss provisions (1,137) (1,056) (1,121) (1,248) (1,119) (956) -14.5% (2,193) (2,075) -5.4% Other gains (losses) and provisions (118) (180) (112) (530) (84) (146) +72.6% (298) (230) -22.7% Profit before tax 618 723 622 265 674 781 +15.8% 1,341 1,456 +8.6% Consolidated profit 536 668 507 222 558 620 +11.0% 1,205 1,178 -2.2% Underlying attributable profit 463 606 436 153 492 551 +11.9% 1,069 1,042 -2.5%

42 Digital Consumer Bank (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q2'25 / Q1'25 H1'24 H1'25 H1'25 / H1'24 Net interest income 2,656 2,604 2,611 2,766 2,703 2,801 +3.6% 5,260 5,504 +4.6% Net fee income 345 376 371 391 335 346 +3.3% 721 681 -5.7% Gains (losses) on financial transactions and other 119 222 147 135 136 105 -23.2% 341 241 -29.4% Total revenue 3,120 3,202 3,130 3,292 3,174 3,251 +2.4% 6,322 6,425 +1.6% Operating expenses (1,296) (1,289) (1,281) (1,274) (1,333) (1,332) -