Company: BCDRF
Filing Date: 2025-02-05
Form Type: 6-K
Source: 0000891478-25-000033
Chunk: 0

Company: Banco Santander, S.A.
Filing Date: 2025-02-05
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 February, 2025

#### Commission File Number: 001-12518

#### Banco Santander, S.A.
<div align='center'>(Exact name of registrant as specified in its charter)</div>

#### Ciudad Grupo Santander

#### 28660 Boadilla del Monte (Madrid) Spain
<div align='center'>(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 ☐</div>

#### BANCO SANTANDER, S.A.
#### ________________________

### TABLE OF CONTENTS
| Item 1. January - December 2024 Financial Report |     | 3 |

| January - December |     | 2024 |

Index

| 3  |     | Key consolidated data                       |
| 5  |     | Business model                              |
| 6  |     | Group financial information                 |
| 6  |     | Highlights of the period                    |
| 8  |     | Income statement                            |
| 10 |     | Balance sheet                               |
| 12 |     | Solvency ratios                             |
| 13 |     | Risk management                             |
| 15 |     | The Santander share                         |
| 17 |     | Financial information by segment            |
| 21 |     | Primary segments                            |
| 29 |     | Secondary segments                          |
| 45 |     | Appendix                                    |
| 46 |     | Financial information                       |
| 48 |     | Alternativeperformancemeasures              |
| 59 |     | Condensed consolidated financial statements |
| 62 |     | Glossary                                    |
| 63 |     | Important information                       |

This report was approved by the board of directors on 4 February 2025, following a favourable report from the audit committee. Important information regarding this report can be found on pages 62 and 63.

| Key consolidated data 
 Business model        |     | Group financial information |     | Financial information by segment |     | Appendix |     | Index |

Key