Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 69

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 69
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 (393) (375) (409) (405) -0.9% (779) (814) +4.5% Net operating income 29 100 107 104 116 161 +39.3% 129 277 +113.7% Net loan-loss provisions (54) (55) (50) (71) (70) (43) -38.2% (108) (114) +4.8% Other gains (losses) and provisions (29) (256) (66) (8) 3 (37) — (285) (34) -88.0% Profit before tax (54) (210) (9) 25 49 80 +65.7% (264) 129 — Consolidated profit (56) (229) (37) 38 23 64 +181.4% (285) 87 — Underlying attributable profit (56) (227) (37) 40 23 68 +199.9% (283) 91 —

85 Rest of the Group (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 172 183 225 221 243 278 +14.3% 355 522 +46.9% Net fee income 158 175 181 197 201 227 +13.2% 333 428 +28.4% Gains (losses) on financial transactions and other 77 105 91 56 67 74 +9.4% 181 141 -22.4% Total revenue 407 463 496 473 512 579 +13.2% 870 1,091 +25.4% Operating expenses (388) (376) (392) (371) (402) (412) +2.3% (764) (814) +6.6% Net operating income 19 87 105 102 109 167 +53.3% 107 277 +159.7% Net loan-loss provisions (50) (51) (49) (70) (69) (45) -34.3% (102) (114) +11.