Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 24

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 24
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) 7 — Gains (losses) on financial transactions and other (8) (1) 7 (20) (39) (27) -30.6% (9) (67) +668.7% Total revenue 1,112 1,112 1,193 1,200 1,190 1,149 -3.4% 2,224 2,339 +5.2% Operating expenses (651) (643) (632) (675) (638) (628) -1.6% (1,294) (1,266) -2.1% Net loan-loss provisions (9) (11) (17) 23 (36) (44) +22.6% (20) (80) +304.4% Other gains (losses) and provisions (85) (58) (94) (167) (168) (147) -12.5% (143) (314) +120.4% Profit before tax 368 400 451 382 348 330 -5.1% 767 678 -11.7%

33 Retail & Commercial Banking UK (Constant 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 1,138 1,143 1,192 1,222 1,214 1,184 -2.5% 2,280 2,398 +5.2% Net fee income 1 (16) (2) (15) 5 2 -54.1% (15) 7 — Gains (losses) on financial transactions and other (8) (1) 7 (20) (39) (28) -29.3% (9) (67) +657.6% Total revenue 1,130 1,126 1,197 1,186 1,180 1,158 -1.9% 2,256 2,339 +3.7% Operating expenses (661) (651) (634) (667) (633) (633) -0.0% (1,313) (1,266) -3.5% Net loan-loss