Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 44

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 44
---
3%

57 Cards (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 559 546 534 636 636 694 +9.1% 1,105 1,330 +20.4% Net fee income 402 420 439 458 442 476 +7.5% 822 918 +11.7% Gains (losses) on financial transactions and other (33) (14) (21) 51 (29) (21) -27.9% (47) (50) +5.4% Total revenue 929 951 952 1,145 1,050 1,149 +9.4% 1,880 2,199 +16.9% Operating expenses (311) (289) (282) (338) (318) (306) -4.0% (600) (624) +3.9% Net operating income 617 663 670 806 732 843 +15.3% 1,280 1,575 +23.1% Net loan-loss provisions (360) (384) (396) (435) (477) (482) +1.1% (743) (960) +29.1% Other gains (losses) and provisions (20) (9) (19) (16) (24) (20) -17.6% (29) (43) +49.2% Profit before tax 237 270 256 355 231 341 +47.8% 508 572 +12.7% Consolidated profit 156 180 164 240 139 221 +59.4% 336 360 +7.2% Underlying attributable profit 139 161 143 219 119 200 +67.8% 300 319 +6.2%

58 Corporate Centre (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