Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 32

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 32
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0.1% (2,585) (2,664) +3.1% Net operating income 1,824 1,913 1,849 2,019 1,841 1,920 +4.3% 3,737 3,761 +0.6% Net loan-loss provisions (1,102) (1,028) (1,120) (1,231) (1,094) (981) -10.4% (2,130) (2,075) -2.6% Other gains (losses) and provisions (115) (178) (111) (532) (83) (147) +77.3% (293) (230) -21.6% Profit before tax 607 707 618 256 664 792 +19.2% 1,314 1,456 +10.8% Consolidated profit 528 657 505 214 548 630 +15.0% 1,184 1,178 -0.6% Underlying attributable profit 455 595 435 146 481 561 +16.5% 1,050 1,042 -0.8%

43 Digital Consumer Bank Europe (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 1,095 1,092 1,069 1,105 1,112 1,155 +3.8% 2,187 2,266 +3.6% Net fee income 220 231 229 222 188 185 -1.5% 451 372 -17.4% Gains (losses) on financial transactions and other 95 120 100 100 103 85 -17.5% 216 188 -12.9% Total revenue 1,410 1,444 1,398 1,427 1,402 1,424 +1.6% 2,854 2,827 -0.9% Operating expenses (665) (655) (656) (629) (667) (660) -1.0% (1,319) (1,326