Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 29

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 29
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25 / H1'24 Net interest income 1,504 1,552 1,639 1,584 1,501 1,535 +2.3% 3,056 3,036 -0.7% Net fee income 340 365 364 346 351 341 -3.1% 705 692 -1.8% Gains (losses) on financial transactions and other (34) 26 (87) (3) (14) (57) +296.5% (8) (71) +814.6% Total revenue 1,810 1,943 1,916 1,927 1,838 1,819 -1.1% 3,753 3,657 -2.6% Operating expenses (721) (714) (725) (754) (745) (740) -0.6% (1,435) (1,485) +3.5% Net loan-loss provisions (644) (669) (714) (720) (703) (728) +3.6% (1,314) (1,431) +8.9% Other gains (losses) and provisions (157) (197) (166) (166) (163) (190) +17.1% (354) (353) -0.4% Profit before tax 288 363 311 288 228 160 -29.6% 651 389 -40.3%

40 Retail & Commercial Banking Brazil (BRL 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 9,456 9,756 10,300 9,959 9,436 9,650 +2.3% 19,211 19,086 -0.7% Net fee income 2,135 2,294 2,290 2,174 2,209 2,140 -3.1% 4,429 4,349 -1.8% Gains (losses) on financial transactions and other (213) 164 (546) (17) (90) (358) +296.5% (