Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000107
Chunk: 41

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 41
---
8.4% 2,418 2,840 +17.4% Operating expenses (602) (574) (567) (608) (602) (598) -0.8% (1,175) (1,200) +2.1% Net operating income 586 657 690 877 761 880 +15.6% 1,243 1,641 +32.0% Net loan-loss provisions (363) (389) (399) (439) (483) (487) +0.9% (752) (970) +29.0% Other gains (losses) and provisions (22) (265) (33) (38) (35) (41) +14.9% (287) (76) -73.4% Profit before tax 200 4 258 401 242 352 +45.1% 204 594 +191.0% Consolidated profit 113 (91) 147 266 147 233 +59.1% 22 380 — Underlying attributable profit 93 (109) 121 244 123 212 +72.5% (16) 335 —

54 PagoNxt (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 31 31 35 35 38 42 +10.8% 62 80 +29.4% Net fee income 224 233 241 261 245 265 +8.4% 456 510 +11.7% Gains (losses) on financial transactions and other 29 36 35 50 34 17 -49.1% 65 51 -21.0% Total revenue 283 300 311 346 317 325 +2.6% 583 641 +9.9% Operating expenses (304) (297) (288) (271) (286) (290) +1.4% (601) (576) -4.2% Net operating income (21) 4 23 75 31 35 +13.4% (18) 65 — Net loan-loss provisions (4) (