Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 35

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 35
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1% 201 107 -46.7% Total revenue 1,296 1,333 1,288 1,330 1,313 1,319 +0.5% 2,630 2,631 +0.1% Operating expenses (542) (539) (529) (529) (553) (541) -2.1% (1,081) (1,094) +1.2% Net loan-loss provisions (607) (529) (645) (662) (505) (485) -4.0% (1,136) (990) -12.9% Other gains (losses) and provisions (28) (33) (28) (31) (27) (20) -28.6% (61) (47) -22.9% Profit before tax 120 232 86 108 227 274 +20.4% 352 501 +42.3%

47 Digital Consumer Bank US (USD 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 1,240 1,270 1,250 1,271 1,285 1,281 -0.3% 2,510 2,566 +2.2% Net fee income 70 72 82 103 89 102 +14.4% 142 191 +34.1% Gains (losses) on financial transactions and other 105 114 73 78 60 57 -4.1% 219 117 -46.7% Total revenue 1,415 1,456 1,406 1,452 1,433 1,440 +0.5% 2,871 2,873 +0.1% Operating expenses (591) (589) (577) (578) (604) (591) -2.1% (1,180) (1,194) +1.2% Net loan-loss provisions (662) (578) (704) (723) (551) (529) -4.0% (1,240) (1,080) -12.9% Other gains (loss