Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 45

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 45
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 (31) (69) (95) (113) (112) (120) +7.7% (100) (232) +132.9% Net fee income (1) 2 (8) (3) (9) (7) -20.8% 1 (16) — Gains (losses) on financial transactions and other (178) (74) (150) 44 (95) (8) -91.6% (251) (103) -59.2% Total revenue (210) (140) (254) (72) (215) (135) -37.2% (350) (351) +0.1% Operating expenses (87) (86) (101) (104) (87) (97) +11.1% (174) (184) +6.2% Net operating income (297) (227) (355) (176) (303) (232) -23.2% (524) (535) +2.1% Net loan-loss provisions (2) (0) 1 3 (99) (98) -0.6% (2) (197) — Other gains (losses) and provisions (41) (40) (160) (25) (30) (45) +50.3% (80) (74) -7.1% Profit before tax (340) (266) (514) (197) (431) (375) -13.0% (606) (807) +33.1% Consolidated profit (357) (252) (403) (142) (394) (319) -19.0% (609) (713) +17.1% Underlying attributable profit (357) (252) (403) (142) (394) (319) -19.0% (609) (713) +17.1%

59 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

60 Spain (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 1,816 1,840 1,