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

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 30
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49) (448) +814.6% Total revenue 11,377 12,214 12,044 12,115 11,555 11,433 -1.1% 23,592 22,988 -2.6% Operating expenses (4,532) (4,485) (4,555) (4,737) (4,681) (4,652) -0.6% (9,017) (9,332) +3.5% Net loan-loss provisions (4,049) (4,208) (4,490) (4,526) (4,419) (4,576) +3.6% (8,257) (8,994) +8.9% Other gains (losses) and provisions (988) (1,240) (1,045) (1,041) (1,022) (1,197) +17.1% (2,227) (2,219) -0.4% Profit before tax 1,809 2,281 1,954 1,811 1,433 1,009 -29.6% 4,091 2,442 -40.3%

41 Digital Consumer Bank (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 2,710 2,655 2,614 2,797 2,756 2,747 -0.3% 5,366 5,504 +2.6% Net fee income 354 387 373 394 339 341 +0.5% 742 681 -8.2% Gains (losses) on financial transactions and other 119 222 146 139 138 102 -26.0% 342 241 -29.5% Total revenue 3,184 3,265 3,133 3,330 3,234 3,191 -1.3% 6,449 6,425 -0.4% Operating expenses (1,311) (1,307) (1,278) (1,287) (1,357) (1,308)