# EDGAR Filing Document

**Accession Number:** 0000891478
**File Stem:** 0000950103-25-013924
**Filing Date:** 2025-10
**Character Count:** 6614
**Document Hash:** 88ae0c21d14f9eeef5b0cd6930039ae3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950103-25-013924.hdr.sgml**: 20251030

**ACCESSION NUMBER**: 0000950103-25-013924

**CONFORMED SUBMISSION TYPE**: 6-K

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251030

**FILED AS OF DATE**: 20251030

**DATE AS OF CHANGE**: 20251030

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Banco Santander, S.A.
- **CENTRAL INDEX KEY:** 0000891478
- **STANDARD INDUSTRIAL CLASSIFICATION:** COMMERCIAL BANKS, NEC [6029]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 132617929
- **STATE OF INCORPORATION:** U3
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 6-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-12518
- **FILM NUMBER:** 251434518

**BUSINESS ADDRESS:**
- **STREET 1:** CIUDAD GRUPO SANTANDER
- **STREET 2:** BOADILLA DEL MONTE
- **CITY:** MADRID
- **STATE:** U3
- **ZIP:** 28660
- **BUSINESS PHONE:** 34 91 289 32 80

**MAIL ADDRESS:**
- **STREET 1:** CIUDAD GRUPO SANTANDER
- **STREET 2:** BOADILLA DEL MONTE
- **CITY:** MADRID
- **STATE:** U3
- **ZIP:** 28660

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANCO SANTANDER SA
- **DATE OF NAME CHANGE:** 20070925

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANCO SANTANDER CENTRAL HISPANO SA
- **DATE OF NAME CHANGE:** 19990512

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BANCO SANTANDER S A
- **DATE OF NAME CHANGE:** 19931201

**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 X Form 40-F

**Banco Santander, S.A.**

**TABLE OF CONTENTS**

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| | |
|:---|:---|
| **Item** |  |
| 1 | Report of Other Relevant Information dated October 30, 2025 |

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**Item 1**

![](image_001.jpg)

**Banco Santander, S.A.,** ("**Santander**") communicates the following**:**

**<u>OTHER RELEVANT INFORMATION</u>**

Santander has been informed by the European Central Bank ("**ECB**"), after following its Supervisory Review and Evaluation Process ("**SREP**"), of its decision regarding the minimum prudential capital requirements effective as of 1 January 2026.

The ECB's decision maintains an unchanged Pillar 2 requirement ("**P2R**") of 1.74% at a consolidated level, of which at least 0.98% must be covered with Common Equity Tier 1 capital ("**CET1**"). 9 basis points of P2R reflect the capital add-on due to the ECB's prudential expectations on calendar provisioning in connection with non-performing loans.

The following table shows the minimum CET1 and total capital requirements applicable at the consolidated level as of 1 January 2025 and as of 1 January 2026, as well as Santander's ratios<sup>1</sup> as of 30 September 2025:

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| | | | |
|:---|:---|:---|:---|
| | Minimum Requirement | Minimum Requirement | |
| | As of 01/01/2025 | As of 01/01/2026 | Data<br>As of 30/09/2025 |
| CET1 | 9.65<sup>2</sup>% | 9.85%<sup>3</sup> | 13.09% |
| CET1 | 9.65<sup>2</sup>% | 9.85%<sup>3</sup> | 13.09% |
| Total Capital | 13.91<sup>2</sup>% | 14.11%<sup>4</sup> | 17.43% |
| Total Capital | 13.91<sup>2</sup>% | 14.11%<sup>4</sup> | 17.43% |

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The 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)<sup>3</sup>.

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

**IMPORTANT INFORMATION**

**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.

______________________

<sup>1</sup> Phased-in ratios.

<sup>2</sup> Requirements as of 1 January 2025 considering final figures as of 31 December 2024.

<sup>3</sup> 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.

<sup>4</sup> 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 be covered by Additional Tier 1 and Tier 2 (0.33% y 0.44%, respectively), remaining unchanged with respect to the minimum requirement applicable as of 1 January 2025, save for the CET1 increase of 20 basis points specified above.

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

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| | | | | |
|:---|:---|:---|:---|:---|
| | | **Banco Santander, S.A.** | **Banco Santander, S.A.** | **Banco Santander, S.A.** |
| Date: | October 30, 2025 | By: | /s/ Pedro de Mingo Kaminouchi | /s/ Pedro de Mingo Kaminouchi |
|  |  |  | Name: | Pedro de Mingo Kaminouchi |
|  |  |  | Title: | Head of Corporate Compliance |

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