Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 43

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 43
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8% (304) 22 — Consolidated profit (44) (270) (18) 26 8 12 +53.2% (314) 20 — Underlying attributable profit (46) (271) (22) 24 4 12 +223.8% (316) 16 —

56 Cards (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 632 608 551 645 647 683 +5.6% 1,239 1,330 +7.3% Net fee income 438 449 450 464 449 469 +4.6% 888 918 +3.4% Gains (losses) on financial transactions and other (35) (17) (22) 57 (29) (21) -28.8% (52) (50) -4.6% Total revenue 1,035 1,040 978 1,166 1,067 1,132 +6.1% 2,075 2,199 +6.0% Operating expenses (334) (309) (286) (340) (322) (302) -6.1% (643) (624) -3.0% Net operating income 701 731 692 826 745 830 +11.4% 1,432 1,575 +10.0% Net loan-loss provisions (414) (429) (410) (444) (486) (474) -2.5% (843) (960) +13.8% Other gains (losses) and provisions (20) (9) (19) (16) (24) (19) -19.3% (29) (43) +47.3% Profit before tax 266 294 263 366 235 337 +43.2% 560 572 +2.3% Consolidated profit 173 194 169 247 141 219 +54.5% 368 360 -2.1% Underlying attributable profit 155 175 147 226 121 198 +62.8% 330 319 -3.