Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 20

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 20
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322 15,688 +2.4% 29,639 31,010 +4.6% Operating expenses (6,278) (6,128) (6,294) (6,706) (6,399) (6,466) +1.0% (12,406) (12,865) +3.7% Net operating income 8,350 8,882 8,682 9,185 8,923 9,222 +3.4% 17,233 18,145 +5.3% Net loan-loss provisions (2,893) (2,930) (2,931) (3,084) (3,105) (3,073) -1.0% (5,823) (6,178) +6.1% Other gains (losses) and provisions (1,095) (1,232) (887) (1,541) (693) (971) +40.1% (2,327) (1,664) -28.5% Profit before tax 4,362 4,721 4,864 4,560 5,124 5,179 +1.1% 9,083 10,303 +13.4% Consolidated profit 2,966 3,331 3,545 3,523 3,692 3,797 +2.8% 6,297 7,489 +18.9% Underlying attributable profit 2,710 3,069 3,209 3,226 3,357 3,476 +3.5% 5,778 6,833 +18.3%

28 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

29 Retail & Commercial Banking (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 7,139 6,857 6,807 7,134 6,721 6,618 -1.5% 13,996 13,339 -4.7% Net fee income 1,205