Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 50

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 50
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.6% (267) (269) +0.7% Net operating income 450 425 363 315 367 356 -3.1% 874 723 -17.3% Net loan-loss provisions (7) 5 (7) (1) 14 (5) — (2) 9 — Other gains (losses) and provisions (3) (36) (5) (18) (1) (0) -75.3% (39) (1) -97.2% Profit before tax 440 394 351 296 380 350 -7.8% 834 730 -12.4% Consolidated profit 303 260 230 210 279 247 -11.3% 564 526 -6.7% Underlying attributable profit 303 260 229 209 278 247 -11.3% 563 525 -6.7%

65 Poland (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 686 697 727 733 744 736 -1.2% 1,384 1,480 +7.0% Net fee income 176 163 170 166 189 184 -3.0% 339 373 +10.1% Gains (losses) on financial transactions and other (28) 17 25 22 (50) 39 — (11) (11) +1.1% Total revenue 834 878 923 921 883 959 +8.6% 1,711 1,842 +7.6% Operating expenses (229) (237) (252) (246) (256) (256) +0.1% (466) (512) +9.7% Net operating income 605 640 670 675 627 703 +12.0% 1,245 1,330 +6.8% Net loan-loss provisions (130) (166) (103) (112) (78) (43) -45.2% (297) (120) -59.5% Other gains (losses) and provisions (62) (