FORM 6-K For the month of June, 2023 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 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Report of Foreign Issuer Pursuant to Rule 13a-16 or 15d-16 of ...

Banco Santander, S.A. (NYSE:SAN) Q1 2023 Earnings Conference Call April 25, 2023 4:00 AM ET Company Participants Begona Morenes - IR Hector Grisi - CEO Jose Garcia-Cantera - CFO Conference Call Participants Ignacio Ulargui - BNP Paribas Francisco Riquel - Alantra Carlos Peixoto - CaixaBank Sofie Peterzens - JPMorgan Ignacio Cerezo - UBS Carlos Cobo Catena - Societe Generale Marta Sánchez Romero - Citi Andrea Filtri - Mediobanca Britta Schmidt - Autonomous Alvaro Serrano - Morgan Stanley Fernando Gil de Sant ...

Report of Foreign Issuer FORM 6-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934 For the month of March, 2023 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 of ice) 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 ...

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ending 31 December 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transi ...

Tender Offers - Banco Santander announced the extension of the expiration date for its Tender Offers until April 10, 2023, for both the Mexican and U.S. Offers[7]. - The Tender Offers aim to acquire approximately 3.76% of Santander Mexico's outstanding share capital, specifically targeting Series B shares and American Depositary Shares[6]. - As of February 28, 2023, approximately 143,720 Shares had been validly tendered, representing about 0.056% of the outstanding Series B Shares not owned by Banco Santander or its affiliates[9]. - The completion of the Tender Offers is subject to certain conditions, including the absence of any material adverse change in the financial condition of Santander Mexico[10]. - Banco Santander plans to deregister the Series B Shares from the Mexican National Securities Registry and delist them from the Mexican Stock Exchange following the Tender Offers[6]. - The U.S. Offer is subject to the terms set forth in the U.S. Offer to Purchase filed with the SEC, while the Mexican Offer follows the informative memorandum[6]. - Investors are advised to read all relevant documents regarding the Tender Offers carefully, as they contain important information[12]. Forward-Looking Statements and Risks - Forward-looking statements regarding the Tender Offers reflect management's current views and estimates, but are subject to risks and uncertainties[16]. - The risks include potential business disruptions, economic conditions, and changes in legislation that could affect the Tender Offers[17]. - Banco Santander does not assume any obligation to update forward-looking statements based on new information or future events[19].

Banco Santander SA (NYSE:SAN) Q4 2022 Earnings Conference Call February 2, 2023 4:00 AM ET Company Participants Begona Morenes - IR Ana Botin - Group Executive Chairwoman Hector Grisi - Group CEO & Group Director Jose Garcia-Cantera - Senior EVP & Group CFO Conference Call Participants Francisco Riquel - Alantra Ignacio Olmos - UBS Ignacio Ulargui - BNP Paribas Exane Alvaro Serrano - Morgan Stanley Carlos Cobo Catena - Societe Generale Andrea Filtri - Mediobanca Benjamin Toms - RBC Capital Markets Daragh Q ...

Banco Santander S.A. (NYSE:SAN) Q3 2022 Earnings Conference Call October 26, 2022 4:00 AM ET Company Participants Begona Morenes - Investor Relations Jose Antonio Alvarez - Chief Executive Officer Jose Garcia Cantera - Chief Financial Officer Conference Call Participants Ignacio Ulargui - BNP Paribas Francisco Riquel - Alantra Alvaro Serrano - Morgan Stanley Sofie Peterzens - JPMorgan Carlos Cobo Catena - Societe Generale Marta Sanchez Romero - Citi Carlos Peixoto - CaixaBank Pamela Zuluaga - Credit Suisse ...

Banco Santander S.A. (NYSE:SAN) Q2 2022 Earnings Conference Call July 29, 2022 4:00 AM ET Company Participants Begona Morenes - IR Jose Antonio Alvarez - CEO Jose Garcia Cantera - CFO Conference Call Participants Alvaro Serrano - Morgan Stanley Ignacio Ulargui - BNP Paribas Pamela Zuluaga - Credit Suisse Sofie Peterzens - JPMorgan Benjie Creelan-Sandford - Jefferies Ignacio Cerezo - UBS Carlos Peixoto - CaixaBank Andrea Filtri - Mediobanca Carlos Cobo Catena - Societe Generale Britta Schmidt - Autonomous Re ...

Financial Data and Key Metrics Changes - The Q1 attributable profit was €2.5 billion, representing an 18% increase year-on-year in underlying profit and a 58% increase compared to the previous year [6][10] - The return on tangible equity improved to 14.2%, and earnings per share (EPS) grew by 22% compared to Q1 2021 [6][22] - The tangible net asset value per share increased to €4.29, up 4% quarter-on-quarter and 13% year-on-year [7][22] - The cost of credit remained stable at 0.77%, below the annual guidance, while the non-performing loan (NPL) ratio was 3.26% [7][18] Business Line Data and Key Metrics Changes - Net interest income (NII) grew by 6% in constant euros, driven by higher volumes and interest rates across various countries [12] - Net fee income increased by 6% in constant euros, supported by improved activity in high value-added products and services [13] - The digital consumer bank saw new lending increase by 17%, with profits rising in double digits [27][41] Market Data and Key Metrics Changes - In Europe, net operating income and profit achieved double-digit growth, with a return on tangible equity of 13.5% [27][28] - North America reported a return on tangible equity of 24%, with solid growth in individual and commercial loans [27][32] - South America experienced an 8% year-on-year profit growth, with a focus on customer acquisition and business opportunities [38] Company Strategy and Development Direction - The company aims to maintain cost growth below inflation while improving efficiency, targeting an efficiency ratio of 45% [6][14] - The strategy includes disciplined capital allocation and a focus on high-risk adjusted returns, with risk-weighted assets growing below loan growth [20] - The company is committed to ESG initiatives, having originated €69 billion in green finance since 2019 [23][24] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's solid starting position despite geopolitical challenges and inflationary pressures [50][51] - The outlook for Brazil remains stable, with expectations of portfolio growth in line with inflation [56] - The company anticipates maintaining a cost of risk below 1% even in the current geopolitical scenario [18][52] Other Important Information - The company announced a total shareholder remuneration of €3.4 billion, split between cash dividends and share buybacks [21] - The corporate center reported an attributable loss of €460 million, impacted by negative FX hedging results [48] Q&A Session Summary Question: Update on Brazil's situation and outlook for 2022 - Management expects portfolio growth in Brazil to align with inflation, around 10%, despite tightening credit standards [56] Question: Information on Chrysler fee agreement and U.S. cost of risk - Management confirmed a satisfactory agreement with Stellantis, expecting portfolio growth in Europe and stable origination levels in the U.S. [63][65] Question: Outlook for cost of risk in Spain - Management maintains a guidance of around 50 basis points for the cost of risk in Spain, unaffected by recent geopolitical events [80] Question: Regulatory impact and capital levels - Regulatory charges are estimated at 20 to 25 basis points for 2022, with no significant changes expected for 2023 [82]

26 April 2022 Q1'22 Earnings Presentation It's time to build together a better future for you & Santander Important information Non-IFRS and alternative performance measures This presentation contains, in addition to the financial information prepared in accordance with International Financial Reporting Standards ("IFRS") and derived from our financial statements, alternative performance measures ("APMs") as defined in the Guidelines on Alternative Performance Measures issued by the European Securities and ...