UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 26, 2003 SOVEREIGN BANCORP, INC. ------------------------------------------------------ (Exact name of registrant as specified in its charter) Pennsylvania 1-16581 23-2453088 - --------------- ------------ -------------- (State or other (Commission (IRS Employer jurisdiction of File Number) Ident. No.) incorporation) 1500 Market Street, Philadelphia, Pennsylvania 19102 - ---------------------------------------------- ---------- (Address of principal executive offices) (Zip Code) (215)557-4630 - -------------------------------------------------- Registrant's telephone number, including area code N/A - ------------------------------------------------------------- (Former name or former address, if changed since last report. - ------------------------------------------------------------- - ------------------------------------------------------------- Item 7. Financial Statements and Exhibits. (a) Exhibits. The following exhibits are filed herewith: 99.1 Press Release, dated February 26, 2003, of Sovereign Bancorp, Inc. Item 9. Regulation FD Disclosure The Company's press release dated February 26, 2003, is attached hereto as Exhibit 99.1 and incorporated by reference. SIGNATURES 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 hereunto duly authorized. SOVEREIGN BANCORP, INC. Dated: February 26, 2003 /s/ Jay S. Sidhu -------------------------------- Jay S. Sidhu Chairman, President and Chief Executive Officer EXHIBIT INDEX Exhibit Number - ------- 99.1 Press Release, dated February 26, 2003, of Sovereign Bancorp, Inc.