Banco Santander S.A. filings document foreign-issuer disclosures for a global banking group and its ADR program. Form 6-K reports include interim consolidated financial statements, operating results, shareholder remuneration, segment information, financial assets and liabilities, provisions, equity, related-party matters, off-balance-sheet exposures, and director and senior manager remuneration.
The filing record also covers material-event disclosures, share buyback transactions, capital-structure matters, registration-statement updates, securities-law exemption documents, and completed acquisition disclosures. These filings provide formal records of governance, capital actions, financial reporting, and corporate transactions affecting Banco Santander and its banking group.
Banco Santander, S.A. (SAN) reported January–September 2026 total revenue of €46.807 billion, up 7% in constant euros, and underlying attributable profit of €11.176 billion, up 14% in constant euros. Underlying net operating income was €26.882 billion, up 12% in constant euros. The company describes underlying measures as supplemental non-IFRS/APM measures that are not audited or reviewed by its auditors.
Statutory attributable profit was €12.405 billion, up 18% in constant euros, including a €1.895 billion capital gain from the completed Poland disposal; underlying profit excludes that gain and €666 million of M&A integration charges. The September 2026 CET1 ratio was 12.7%, against a 2026 year-end target of 12.8%–13%. Cost of risk was 1.16%, up 3 basis points year over year, while the efficiency ratio was 42.6%, down 2.8 percentage points. The board intends a shareholder-remuneration policy for 2026 to 2028 results allocating approximately 50% of underlying profit to dividends and share buybacks, split approximately evenly for 2026 results, subject to corporate and regulatory decisions and approvals.
Banco Santander, S.A. reported nine-month 2026 profit attributable to the parent of EUR 12.405 billion, up 20% year over year, including a EUR 1.895 billion gain from the completed Poland disposal. Underlying attributable profit was EUR 11.176 billion, up 16%, and total income was EUR 46.713 billion, up 8%.
Santander completed its Webster acquisition on August 20, 2026, for USD 12.509 billion (EUR 10.724 billion; 65% cash and 35% newly issued shares), and its TSB acquisition on April 30, 2026, for GBP 2.867 billion (EUR 3.318 billion) in cash. Their CET1 impacts were -1.47 percentage points for Webster in September 2026 and -55 basis points for TSB in June 2026. The Poland disposal lifted CET1 by 95 basis points; the phased-in CET1 ratio was 12.7% at September 30, 2026.
A proposed exchange offer for outstanding Santander Brasil shares Banco Santander does not already own would use newly issued Santander shares and has a maximum value of approximately EUR 1.908 billion. The offer remains subject to regulatory approvals, approval by Banco Santander’s General Shareholders’ Meeting of a capital increase, and the absence of a material adverse change. An interim cash dividend of 12.70 euro cents per share was approved, 10% above its 2025 equivalent, payable from November 2, 2026.
Banco Santander, S.A. (SAN) reported first-nine-month 2026 revenue of €46.8 billion, up 8%, and underlying profit of €11.2 billion, up 16% year over year. Attributable profit was €12.405 billion, up 20%, including a €1.9 billion net capital gain from the January 9, 2026 disposal of Santander Bank Polska, partly offset by €666 million in charges, including TSB and Webster integration costs. The bank added 17 million customers over the last 12 months, reaching 189 million, and completed its Webster acquisition on August 20, 2026.
Net operating income rose 14% to €26.882 billion, while costs fell 1% excluding TSB and Webster. Loan-loss provisions rose 13% to €10.060 billion, mainly reflecting market trends in Argentina; the non-performing loan ratio was 2.90%, and the CET1 ratio was 12.7% after Webster. Santander reiterated 2026 targets, excluding M&A, including profit above €14.1 billion and a CET1 ratio of 12.8% to 13%. Its interim dividend is 12.70 euro cents per share, 10% above the 2025 equivalent, payable November 2, 2026; a buyback of up to approximately €1.8 billion against H1 2026 results is underway.
Banco Santander, S.A. said the European Central Bank set its consolidated Pillar 2 requirement (P2R) at 1.65%, effective January 1, 2027, of which at least 0.93% must be covered by Common Equity Tier 1 (CET1) capital. This is down from the 1.74% P2R applicable in 2026 because add-ons tied to the ECB’s supervisory expectations on the provisioning calendar for non-performing exposures will no longer apply.
Minimum CET1 requirements were 9.85% as of January 1, 2026 and 9.92% as of January 1, 2027; minimum total capital requirements were 14.11% and 14.14% on those respective dates. The changes reflect a 13-basis-point increase in countercyclical buffer requirements, partly offset by P2R reductions that lower CET1 and total capital requirements by 5 and 9 basis points, respectively. Santander’s phased-in ratios as of September 30, 2026 were 12.69% CET1 and 17.01% total capital; the bank stated it maintained a surplus above requirements.
Banco Santander, S.A. repurchased 19,100,000 of its own shares from October 15 through October 21, 2026, under its buyback programme. By October 21, 2026, the cash amount of shares purchased under the programme was €1,474,221,281, representing approximately 80.8% of the programme’s maximum investment amount. The bank also stated that it had repurchased approximately 18.6% of its outstanding shares as of 2021.
Banco Santander, S.A. (SAN) will disclose its financial results for the first nine months of 2026 on October 28, 2026. The associated documentation will be made public before the analysts’ presentation through a communication to the CNMV and on the bank’s corporate website.
Banco Santander, S.A. (SAN) elected to redeem in their entirety its Series 199 6.527% Senior Preferred Callable Fixed-To-Fixed Rate Notes due 2027. Under current U.S. federal income tax law, backup withholding may apply to amounts payable at redemption to U.S. persons unless an exemption is established, including through a properly completed Form W-9 or exempt-recipient status. Non-U.S. beneficial owners generally may establish an exemption with an applicable Form W-8. No additional amounts will be payable with respect to backup withholding.
Banco Santander, S.A. (SAN) purchased 6,100,000 of its own shares between October 8 and October 14, 2026, as part of its buyback programme. Transactions were reported on October 8, 9, 12, 13 and 14, with weighted average prices shown for each reported transaction.
As of October 14, 2026, the cash amount of shares purchased under the programme totaled 1,248,734,451 Euros, approximately 68.4% of the programme’s maximum investment amount. Banco Santander also stated that, with these purchases, it had repurchased approximately 18.5% of its outstanding shares as of 2021.
Banco Santander, S.A. (SAN) intends to redeem and cancel in full its Export Finance Covered Bonds Series 2, with a total issue amount of EUR 1,200,000,000, and Series 3, with a total issue amount of USD 3,800,000,000, on October 19, 2026, identified as the next coupon payment date under the applicable business day convention.
The announcement separately describes the redemption and cancellation to be carried out on October 17, 2026 through early cancellation of 12,000 Series 2 bonds with a nominal value of EUR 100,000 each and 19,000 Series 3 bonds with a nominal value of USD 200,000 each. All bonds designated for early redemption and cancellation are held by Banco Santander.
Banco Santander, S.A. elected to redeem in its entirety its Series 10 4.750% Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities. U.S. federal backup withholding may apply to amounts payable to U.S. persons unless an exemption applies. Non-U.S. beneficial owners generally may establish an exemption using an applicable IRS Form W-8. No additional amounts will be payable with respect to backup withholding.