Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 21

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 21
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1,184 1,153 1,164 1,210 1,187 -1.9% 2,390 2,397 +0.3% Gains (losses) on financial transactions and other (284) 176 (21) (140) (36) 10 — (108) (26) -76.4% Total revenue 8,061 8,217 7,939 8,158 7,895 7,816 -1.0% 16,277 15,710 -3.5% Operating expenses (3,285) (3,098) (3,082) (3,331) (3,113) (3,075) -1.2% (6,383) (6,188) -3.1% Net operating income 4,776 5,118 4,856 4,827 4,782 4,740 -0.9% 9,894 9,522 -3.8% Net loan-loss provisions (1,523) (1,563) (1,371) (1,387) (1,431) (1,399) -2.2% (3,087) (2,830) -8.3% Other gains (losses) and provisions (838) (727) (478) (832) (528) (697) +31.9% (1,565) (1,225) -21.7% Profit before tax 2,414 2,828 3,007 2,608 2,823 2,645 -6.3% 5,243 5,468 +4.3% Consolidated profit 1,634 1,957 2,185 1,993 2,065 1,941 -6.0% 3,591 4,006 +11.6% Underlying attributable profit 1,539 1,835 2,012 1,862 1,902 1,785 -6.1% 3,374 3,687 +9.3%

30 Retail & Commercial Banking (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