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

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 25
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 provisions (9) (11) (17) 23 (36) (45) +24.4% (20) (80) +298.6% Other gains (losses) and provisions (86) (59) (95) (166) (166) (148) -11.0% (145) (314) +117.2% Profit before tax 374 405 452 377 345 333 -3.6% 779 678 -12.9%

34 Retail & Commercial Banking UK (GBP 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 958 963 1,004 1,029 1,023 997 -2.5% 1,921 2,020 +5.2% Net fee income 1 (13) (2) (13) 4 2 -54.1% (13) 6 — Gains (losses) on financial transactions and other (7) (1) 6 (17) (33) (23) -29.3% (7) (56) +657.6% Total revenue 952 948 1,008 999 994 976 -1.9% 1,900 1,970 +3.7% Operating expenses (557) (549) (534) (562) (533) (533) -0.0% (1,106) (1,067) -3.5% Net loan-loss provisions (8) (9) (14) 20 (30) (38) +24.4% (17) (68) +298.6% Other gains (losses) and provisions (72) (49) (80) (140) (140) (125) -11.0% (122) (265) +117.2% Profit before tax 315 341 381 317 291 280 -3.6% 656 571 -12.9%

35 Retail & Commercial Banking Mexico (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q2'25 / Q1