Company: BCDRF
Filing Date: 2025-02-28
Form Type: 20-F
Source: 0000891478-25-000054
Chunk: 3

Company: Banco Santander, S.A.
Filing Date: 2025-02-28
Form: 20-F
Chunk 3
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D-1(b). ☐

Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:

| U.S.  GAAP☐ |     | International Financial Reporting Standardsas issued by the International Accounting Standards Board☒ |     | Other☐ |

If “Other” has been checked in response to the previous question indicate by check mark which financial statement item the registrant has elected to follow. Item 17 ☐ Item 18 ☐

If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

| Contents |     | Cross-reference to Form 20-F |     | Consolidated director's report |     | Consolidated financial statements |     | Supplemental information |

<div align='center'>BANCO SANTANDER, S.A.</div>

This annual report on Form 20-F for the year ended 31 December 2024, includes two parts: (i) consolidated directors’ report, auditor's report and consolidated financial statements, and (ii) supplemental information. Set forth below is a table listing the required items for Form 20-F and the location where the relevant disclosure in this annual report can be found.

<div align='center'>CROSS REFERENCE TO FORM 20-F</div>

| Form 20-F Item Number and Caption                         |     |                                                         |     | Location                                                                                                     |     | Page |
| Presentation of Financial and Other Information           |     |                                                         |     | Supplemental information. Section 1                                                                          |     |  875 |
| Cautionary Statement Regarding Forward-Looking Statements |     |                                                         |     | Supplemental information. Section 2                                                                          |     |  876 |
| PART I                                                    |     |                                                         |     |                                                                                                              |     |      |
| ITEM 1.                                                   |     | IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS   |     |                                                                                                              |     |      |
|                                                           |     | A. Directors and Senior Management                      |     | Not required for Annual Report on Form 20-F                                                                  |     |    - |
|                                                           |     | B. Advisers                                             |     | Not required for Annual Report on Form 20-F                                                                  |     |    - |
|                                                           |     | C. Auditors                                             |     | Not required for Annual Report on Form