Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 23

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 23
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31 Retail & Commercial Banking Spain (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 1,472 1,471 1,495 1,430 1,467 1,448 -1.3% 2,943 2,915 -1.0% Net fee income 283 276 270 245 291 269 -7.6% 560 560 +0.1% Gains (losses) on financial transactions and other 25 70 35 (3) 35 50 +40.9% 95 85 -10.5% Total revenue 1,780 1,818 1,800 1,673 1,794 1,766 -1.5% 3,598 3,560 -1.0% Operating expenses (567) (558) (562) (600) (571) (567) -0.7% (1,125) (1,138) +1.1% Net loan-loss provisions (284) (287) (230) (292) (291) (244) -16.3% (571) (535) -6.2% Other gains (losses) and provisions (350) (233) (103) (207) (122) (119) -2.2% (583) (241) -58.7% Profit before tax 580 739 905 573 810 837 +3.3% 1,319 1,647 +24.8%

32 Retail & Commercial Banking UK (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 1,119 1,128 1,189 1,236 1,224 1,174 -4.1% 2,248 2,398 +6.7% Net fee income 1 (16) (2) (15) 5 2 -55.2% (15