Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 33

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 33
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) +0.5% Net loan-loss provisions (276) (308) (279) (345) (336) (284) -15.5% (584) (619) +6.0% Other gains (losses) and provisions (69) (124) (61) (481) (43) (111) +154.3% (193) (154) -20.2% Profit before tax 401 356 402 (28) 357 371 +3.9% 757 727 -3.9%

44 Digital Consumer Bank Europe (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 1,094 1,093 1,071 1,107 1,110 1,156 +4.1% 2,186 2,266 +3.7% Net fee income 220 231 229 222 187 185 -1.3% 451 372 -17.4% Gains (losses) on financial transactions and other 95 121 100 100 103 85 -17.0% 216 188 -13.1% Total revenue 1,409 1,445 1,401 1,429 1,401 1,426 +1.8% 2,853 2,827 -0.9% Operating expenses (664) (655) (657) (629) (666) (660) -0.8% (1,319) (1,326) +0.6% Net loan-loss provisions (275) (310) (279) (345) (335) (284) -15.2% (585) (619) +5.9% Other gains (losses) and provisions (69) (125) (61) (483) (43) (111) +156.1% (194) (154) -20.8% Profit before tax 401 355 403 (29) 356 371 +4.2% 755 727 -3.7%

45 Digital Consumer Bank US (EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3