Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 55

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 55
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1'25 H1'24 H1'25 H1'25 / H1'24 Net interest income 1,396 1,428 1,411 1,458 1,499 1,450 -3.3% 2,824 2,949 +4.4% Net fee income 267 272 296 317 355 323 -8.8% 539 678 +25.8% Gains (losses) on financial transactions and other 205 201 163 167 160 140 -12.6% 406 300 -26.2% Total revenue 1,869 1,900 1,870 1,941 2,014 1,913 -5.0% 3,769 3,927 +4.2% Operating expenses (940) (963) (940) (987) (1,007) (937) -7.0% (1,903) (1,944) +2.2% Net operating income 929 938 929 954 1,006 976 -3.0% 1,866 1,983 +6.2% Net loan-loss provisions (615) (556) (650) (686) (535) (493) -7.8% (1,171) (1,028) -12.2% Other gains (losses) and provisions (40) (43) (62) (45) (25) (26) +6.9% (83) (51) -38.9% Profit before tax 274 339 217 223 447 457 +2.1% 612 904 +47.5% Consolidated profit 279 385 216 229 417 422 +1.3% 664 839 +26.2% Underlying attributable profit 279 385 216 229 417 422 +1.3% 664 839 +26.2%

71 United States (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 1,388 1,408 1,420 1,424 1,445