Company: BCDRF
Filing Date: 2025-07-30
Form Type: 6-K
Source: 0000891478-25-000101
Chunk: 0

Company: Banco Santander, S.A.
Filing Date: 2025-07-30
Form: 6-K
Chunk 0
---
FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of July, 2025 Commission File Number: 001-12518 Banco Santander, S.A. (Exact name of registrant as specified in its charter) Ciudad Grupo Santander 28660 Boadilla del Monte (Madrid) Spain (Address of principal executive office) Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F: Form 20-F ☒ Form 40-F ☐

BANCO SANTANDER, S.A. ________________________ TABLE OF CONTENTS Item 1. Press Release regarding January - June 2025 Results

Corporate Communications Ciudad Grupo Santander, edificio Arrecife, planta 2 28660 Boadilla del Monte (Madrid) comunicacion@gruposantander.com www.santander.com - Twitter: @bancosantander 1 Santander reports a 19% increase in earnings per share after record first-half profit of €6,833 million Eight million new customers, bringing the total to 176 million Half-year profit rose 13% year-on-year Return on tangible equity (RoTE) increased to 16% post-AT1 CET1 capital ratio reached 13% thanks to strong organic generation Madrid, 30 July 2025 - PRESS RELEASE • Revenue was stable (€31 billion), with the bank achieving record net fee income (+3% year-on-year)1.1 • Operating expenses fell by 0.4%, reflecting the bank’s transformation towards a simpler, more digital and integrated model. As a result, the efficiency ratio improved to 41.5%, its best level in over 15 years. • Credit quality improved, with cost of risk at 1.14% (-7 basis points), reflecting the strength of the diversified balance sheet and historically low levels of unemployment across most of Santander’s markets. • The sale of Santander Poland crystallizes value at 2.2x tangible book value, while the acquisition of TSB generates a return of >20%, increasing RoTE in the UK to 16% by 20282. This reflects Santander’s commitment to accretive capital redeployment. • The bank reaffirms 2025 targets and expects