Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 28

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 28
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 (217) (467) (362) -22.5% (376) (829) +120.1% Profit before tax 5,962 6,419 6,789 6,818 7,360 7,405 +0.6% 12,382 14,766 +19.3%

38 Retail & Commercial Banking Brazil (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 1,759 1,740 1,695 1,600 1,534 1,503 -2.0% 3,499 3,036 -13.2% Net fee income 397 409 376 348 359 333 -7.3% 807 692 -14.2% Gains (losses) on financial transactions and other (40) 31 (96) (1) (15) (57) +285.9% (9) (71) +698.8% Total revenue 2,117 2,180 1,975 1,948 1,878 1,779 -5.3% 4,297 3,657 -14.9% Operating expenses (843) (799) (746) (763) (761) (724) -4.9% (1,642) (1,485) -9.6% Net loan-loss provisions (753) (751) (740) (730) (718) (713) -0.8% (1,504) (1,431) -4.9% Other gains (losses) and provisions (184) (222) (170) (167) (166) (187) +12.4% (406) (353) -13.0% Profit before tax 337 408 319 288 233 156 -33.3% 745 389 -47.9%

39 Retail & Commercial Banking Brazil (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'