Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000103
Chunk: 6

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 6
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|        |     | 1.14%                                                               |     |         |          |     |        |
|        |     | -7 bps /Jun-24                                                      |     |         |          |     |        |
|        |     | CET11                                                               |     |         |          |     |        |
| +0.3pp |     | 13.0%                                                               |     |         |          |     |        |
|        |     | +0.1 pp /Mar-25                                                     |     |         |          |     |        |

u In Q2 2025, profit attributable to the parent was EUR 3,431 million, a fifth consecutive quarterly record , rising 1% compared to Q1 2025. In constant euros, profit rose 4% quarter-on-quarter, with a solid performance in total income (+2%), driven by net interest income, even in a less favourable interest rate environment, and lower provisions, with controlled costs. u Attributable profit increased 13% compared to H1 2024 to EUR 6,833 million in H1 2025 . In constant euros, profit rose 18% boosted by higher total income, due to positive contributions from net interest income and net fee income, with costs flat in real terms and a cost of risk improvement. Additionally, the year-on-year comparison was favoured by the temporary levy on revenue earned in Spain which was recorded in full in Q1 2024 compared to the quarterly accrual of the banking tax expected for H1 2025 and by the charges in H1 2024 following the discontinuation of the merchant platforms in Germany and Superdigital in Latin America. u Profit increased double digit year-on-year in most global businesses . u These results reflect a strong performance in H1 2025 and put us on track to meet our 2025 targets .

u Profitability improved strongly year-on-year. RoTE (post-AT1) stood at 16.0% in H1 2025, compared to 15.1% in the same period of 2024. u Sustained earnings per share growth, increasing 19% year-on-year to EUR 43.5 cents, boosted by the positive trends in profit and the share buybacks executed in the last 12 months .

u In terms of business volumes, growth of customer funds continued to outpace loans and advances to customers as we continued to focus on active capital management, disciplined capital allocation