Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 39

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 39
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25 H1'24 H1'25 H1'25 / H1'24 Net interest income 442 423 418 406 371 358 -3.4% 866 729 -15.8% Net fee income 355 346 366 404 414 429 +3.6% 701 842 +20.2% Gains (losses) on financial transactions and other 82 137 148 209 223 237 +6.5% 219 460 +110.5% Total revenue 880 905 932 1,020 1,007 1,024 +1.7% 1,785 2,032 +13.8% Operating expenses (334) (332) (349) (412) (367) (359) -2.1% (666) (726) +9.0% Net operating income 546 573 583 607 641 665 +3.8% 1,119 1,306 +16.7% Net loan-loss provisions (4) (13) (9) (18) (8) (13) +74.1% (17) (21) +23.3% Other gains (losses) and provisions (27) (2) (8) 15 (1) (10) — (30) (11) -62.4% Profit before tax 515 558 566 604 632 642 +1.5% 1,073 1,274 +18.8% Consolidated profit 382 423 447 463 491 505 +2.8% 805 997 +23.8% Underlying attributable profit 363 404 428 443 466 482 +3.3% 767 948 +23.5%

52 Payments (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 662 639 586 680 685 726 +5.9% 1,302 1,411 +8.4% Net fee income 662 682 691 725 693 734 +6.0% 1,344 1,428 +6