Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 34

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 34
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'24 Q4'24 Q1'25 Q2'25 Q2'25 / Q1'25 H1'24 H1'25 H1'25 / H1'24 Net interest income 1,143 1,179 1,138 1,191 1,221 1,129 -7.5% 2,322 2,350 +1.2% Net fee income 64 67 75 97 84 90 +6.7% 131 175 +32.8% Gains (losses) on financial transactions and other 97 106 66 74 57 50 -11.2% 203 107 -47.2% Total revenue 1,304 1,352 1,279 1,361 1,362 1,270 -6.8% 2,656 2,631 -0.9% Operating expenses (545) (547) (525) (542) (574) (520) -9.3% (1,092) (1,094) +0.2% Net loan-loss provisions (610) (537) (641) (677) (524) (466) -11.1% (1,147) (990) -13.8% Other gains (losses) and provisions (28) (33) (28) (32) (28) (19) -34.8% (61) (47) -23.6% Profit before tax 121 235 85 111 236 265 +12.4% 356 501 +40.9%

46 Digital Consumer Bank US (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 1,136 1,163 1,145 1,164 1,177 1,173 -0.3% 2,299 2,350 +2.2% Net fee income 64 66 75 95 81 93 +14.4% 130 175 +34.1% Gains (losses) on financial transactions and other 96 104 67 72 55 52 -4.