Company: BCDRF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0000950103-25-013924
Chunk: 1

Company: Banco Santander, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 1
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 increase in the minimum requirements applicable both to CET1 and total capital as of 1 January 2026, compared to those in force since 1 January 2025, amounts to 20 basis points. This increase is due to changes in the systemic risk buffer requirement (3 basis points) and the countercyclical capital buffer requirement (17 basis points) 3.

As described in the table above, Santander maintains a surplus of capital over these requirements, both in CET1 and total capital terms.

Boadilla del Monte (Madrid), 30 October 2025

<div align='center'>IMPORTANT INFORMATION</div>

Not a securities offer

This document and the information it contains does not constitute an offer to sell nor the solicitation of an offer to buy any securities.

Past performance does not indicate future outcomes

Statements about historical performance or growth rates must not be construed as suggesting that future performance, share price or results (including earnings per share) will necessarily be the same or higher than in a previous period. Nothing in this document should be taken as a profit and loss forecast.

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1 Phased-in ratios.

2Requirements as of 1 January 2025 considering final figures as of 31 December 2024.

3 The minimum requirement ratio of CET1 at consolidated level consists of: (a) the minimum capital requirement of Pillar 1 (4.50%), (b) P2R (0.98%), (c) the capital conservation buffer (2.50%), (d) the requirement arising from the consideration of Santander as Other Systemically Important Institution (“OSII”), which has been fixed by Banco de España effective on 1 January 2026 (1.25%), (e) the systemic risk buffer requirement (0.0628%) calculated as of 30 September, and (f) the countercyclical capital buffer requirement (0.4331%) estimated as of 30 September, which must be increased from 1 October 2025 as a result of the activation of 0.50% over the exposures located in Spain (0.12%), and again from 1 October 2026, due to an additional increase of 0.50% over such exposures.

4 In addition to the CET1 requirement, the minimum total capital requirement at consolidated level includes: (i) Pillar 1 requirements of Additional Tier 1 (1.5%) and Tier 2 (2%), and (ii) part of the P2R requirements which can