Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 18

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 18
---
.88 0.92 0.89 US 1.98 2.06 1.94 1.82 1.73 1.69 Mexico 2.63 2.71 2.69 2.64 2.55 2.53 Brazil 4.79 4.77 4.78 4.51 4.61 4.71 Chile 0.85 0.97 1.09 1.19 1.26 1.31 Argentina 5.43 4.80 4.88 4.59 4.58 5.09 Note: Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months. * PagoNxt’s cost of risk is not provided as we do not consider it a relevant metric for this type of business.

25 Supplementary information Balance sheet and capital management NIM, yield on loans and cost of deposits Efficiency ratio Asset quality Quarterly income statements Primary segments Secondary segments Glossary

26 Grupo Santander (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 11,983 11,474 11,225 11,986 11,378 11,338 -0.4% 23,457 22,716 -3.2% Net fee income 3,240 3,237 3,189 3,344 3,369 3,315 -1.6% 6,477 6,684 +3.2% Gains (losses) on financial transactions and other 157 959 721 696 790 820 +3.8% 1,116 1,610 +44.3% Total revenue 15,380 15,670 15,135 16,026 15,537 15,473 -0.4% 31,050 31,010 -0.1% Operating expenses (6,547) (6,366) (6,349) (6,772) (6,489) (6,376) -1.7% (12,913) (12,865) -