Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 40

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 40
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.2% Gains (losses) on financial transactions and other (6) 19 13 107 5 (3) — 13 2 -86.7% Total revenue 1,318 1,341 1,289 1,512 1,383 1,457 +5.3% 2,659 2,840 +6.8% Operating expenses (639) (606) (574) (611) (608) (592) -2.6% (1,244) (1,200) -3.6% Net operating income 679 735 715 901 776 865 +11.5% 1,414 1,641 +16.0% Net loan-loss provisions (418) (434) (414) (448) (492) (479) -2.7% (852) (970) +13.9% Other gains (losses) and provisions (23) (265) (33) (39) (36) (40) +12.3% (288) (76) -73.6% Profit before tax 238 36 267 414 248 346 +39.4% 274 594 +116.8% Consolidated profit 136 (70) 152 275 150 230 +52.9% 66 380 +475.6% Underlying attributable profit 115 (90) 126 252 126 209 +65.9% 25 335 —

53 Payments (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 586 574 568 670 674 737 +9.4% 1,161 1,411 +21.6% Net fee income 606 635 675 715 684 744 +8.8% 1,241 1,428 +15.1% Gains (losses) on financial transactions and other (5) 22 14 100 5 (3) — 17 2 -89.8% Total revenue 1,187 1,231 1,257 1,486 1,363 1,477 +