Company: BCDRF
Filing Date: 2025-10-29
Form Type: 6-K
Source: 0000891478-25-000130
Chunk: 0

Company: Banco Santander, S.A.
Filing Date: 2025-10-29
Form: 6-K
Chunk 0
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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 October, 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 - September 2025 Results

Corporate Communications Ciudad Grupo Santander, edificio Arrecife, planta 2 28660 Boadilla del Monte (Madrid) comunicacion@gruposantander.com www.santander.com 1 Santander posts record nine-month results, growing seven million customers to 178 million, with earnings per share up 16% Profit rose 11% to €10,337 million in the first nine months of the year Return on tangible equity (RoTE) increased to 16.1% post-AT1 CET1 capital ratio reached a new record at 13.1% thanks to strong organic generation Madrid, 29 October 2025 - PRESS RELEASE • Revenue was stable (€46.3 billion), with the bank achieving record net fee income (+4% year-on-year)1.1 • Operating expenses fell by 1%, reflecting the bank’s transformation towards a simpler, more digital and globally integrated model. As a result, the efficiency ratio improved to 41.3%. • Loan-loss provisions fell 1% with improved cost of risk at 1.13% (-5 basis points), on the back of proactive risk management, low unemployment rates and easing monetary policies in most countries. • Non-performing loan ratio of 2.92%, improving 14 basis points year-on-year, at historically low levels. • In the third quarter, attributable profit reached a new record of €3,504 million, up 8% year-on-year, a sixth consecutive record quarter. • In November, the bank will pay an interim cash dividend of 11.5 euro cents per share against