Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 38

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 38
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 675 662 636 688 795 739 -7.0% 1,337 1,534 +14.7%

50 Wealth Management & Insurance (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 449 430 419 408 375 354 -5.8% 879 729 -17.1% Net fee income 365 356 369 408 419 423 +1.0% 721 842 +16.8% Gains (losses) on financial transactions and other 91 146 152 211 225 235 +4.5% 237 460 +94.1% Total revenue 905 932 940 1,027 1,019 1,012 -0.7% 1,837 2,032 +10.6% Operating expenses (343) (341) (351) (417) (372) (354) -5.0% (684) (726) +6.1% Net operating income 562 591 589 610 647 659 +1.7% 1,153 1,306 +13.2% Net loan-loss provisions (4) (13) (9) (18) (8) (13) +72.8% (17) (21) +21.5% Other gains (losses) and provisions (27) (2) (8) 15 (1) (10) — (30) (11) -62.6% Profit before tax 531 575 572 606 639 635 -0.6% 1,106 1,274 +15.2% Consolidated profit 396 437 452 465 497 500 +0.7% 833 997 +19.7% Underlying attributable profit 376 418 433 445 471 477 +1.2% 794 948 +19.3%

51 Wealth Management & Insurance (Constant EUR mn) Change Change Underlying income statement Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q2'25 / Q1'