Banco Santander, S.A. (BME:SAN)
Spain · Delayed Price · Currency is EUR 10.39
+0.27 (2.65%)
Nov 2, 2026, 5:44 PM CET
Banco Santander Balance Sheet
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 19,483 | 16,951 | 21,294 | 20,410 | 22,243 | 17,587 |
Investment Securities | 266,250 | 218,307 | 216,004 | 195,536 | 166,448 | 184,924 |
Trading Asset Securities | 326,466 | 261,451 | 240,239 | 188,108 | 166,885 | 135,565 |
Total Investments | 592,716 | 479,758 | 456,243 | 383,644 | 333,333 | 320,489 |
Gross Loans | 1,272,224 | 1,097,859 | 1,116,030 | 1,118,614 | 1,104,389 | 999,553 |
Allowance for Loan Losses | -24,223 | -21,158 | -22,125 | -22,788 | -22,684 | -22,964 |
Net Loans | 1,248,001 | 1,076,701 | 1,093,905 | 1,095,826 | 1,081,705 | 976,589 |
Property, Plant & Equipment | 25,588 | 26,416 | 31,212 | 32,926 | 33,044 | 32,342 |
Goodwill | 18,923 | 11,958 | 13,438 | 14,017 | 13,741 | 12,713 |
Other Intangible Assets | 7,212 | 5,350 | 5,821 | 5,854 | 4,904 | 3,871 |
Investments in Real Estate | 889 | 1,022 | 875 | 956 | 1,029 | 979 |
Other Receivables | 11,439 | 11,132 | 11,426 | 10,623 | 9,200 | 5,756 |
Restricted Cash | 142,853 | 135,330 | 170,914 | 199,932 | 200,830 | 193,102 |
Other Current Assets | 373 | 75,652 | 4,403 | 3,159 | 3,366 | 3,054 |
Long-Term Deferred Tax Assets | 20,941 | 18,944 | 19,170 | 20,767 | 20,787 | 19,440 |
Other Real Estate Owned & Foreclosed | 2,462 | 2,487 | 2,621 | 2,773 | 3,101 | 3,651 |
Other Long-Term Assets | 11,454 | 5,814 | 5,759 | 6,175 | 7,376 | 6,262 |
Total Assets | 2,102,334 | 1,867,515 | 1,837,081 | 1,797,062 | 1,734,659 | 1,595,835 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accounts Payable | - | 1,452 | 1,452 | 1,783 | 1,563 | 1,475 |
Accrued Expenses | 811 | 9,738 | 9,730 | 9,881 | 10,519 | 9,080 |
Interest Bearing Deposits | 1,296,663 | 413,897 | 447,827 | 462,965 | 428,362 | 376,699 |
Non-Interest Bearing Deposits | - | 688,927 | 707,418 | 697,339 | 718,366 | 711,377 |
Total Deposits | 1,296,663 | 1,102,824 | 1,155,245 | 1,160,304 | 1,146,728 | 1,088,076 |
Short-Term Borrowings | 68,918 | 56,539 | 62,722 | 58,572 | 74,264 | 59,552 |
Current Portion of Long-Term Debt | - | 89,594 | 85,530 | 93,437 | 81,852 | 61,913 |
Current Portion of Leases | - | 466 | 526 | 586 | 707 | 690 |
Current Income Taxes Payable | 4,089 | 3,664 | 3,322 | 3,846 | 3,040 | 2,187 |
Other Current Liabilities | 156,534 | 190,939 | 102,698 | 79,314 | 57,747 | 32,413 |
Long-Term Debt | 354,325 | 234,796 | 239,991 | 215,142 | 198,487 | 184,250 |
Long-Term Leases | - | 1,356 | 1,676 | 1,814 | 1,915 | 2,166 |
Pension & Post-Retirement Benefits | 2,587 | 2,649 | 2,646 | 3,105 | 3,342 | 4,427 |
Long-Term Deferred Tax Liabilities | 5,650 | 5,904 | 6,276 | 6,086 | 6,428 | 6,462 |
Other Long-Term Liabilities | 94,357 | 54,846 | 57,940 | 58,951 | 50,482 | 46,091 |
Total Liabilities | 1,983,934 | 1,754,767 | 1,729,754 | 1,692,821 | 1,637,074 | 1,498,782 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 7,278 | 7,345 | 7,576 | 8,092 | 8,397 | 8,670 |
Additional Paid-In Capital | 35,156 | 36,792 | 40,079 | 44,373 | 46,273 | 47,979 |
Retained Earnings | 104,574 | 95,187 | 85,561 | 76,379 | 68,321 | 61,512 |
Treasury Stock | -1,533 | -96 | -68 | -1,078 | -675 | -894 |
Comprehensive Income & Other | -33,963 | -36,058 | -34,547 | -32,343 | -33,212 | -30,337 |
Total Common Equity | 111,512 | 103,170 | 98,601 | 95,423 | 89,104 | 86,930 |
Minority Interest | 6,888 | 9,578 | 8,726 | 8,818 | 8,481 | 10,123 |
Shareholders' Equity | 118,400 | 112,748 | 107,327 | 104,241 | 97,585 | 97,053 |
Total Liabilities & Equity | 2,102,334 | 1,867,515 | 1,837,081 | 1,797,062 | 1,734,659 | 1,595,835 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 423,243 | 382,751 | 390,445 | 369,551 | 357,225 | 308,571 |
Net Cash (Debt) | -77,294 | -104,349 | -128,912 | -161,033 | -168,097 | -122,155 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -5.30 | -6.97 | -8.28 | -9.91 | -9.94 | -7.05 |
Filing Date Shares Outstanding | 14,174 | 14,678 | 15,137 | 15,886 | 16,551 | 17,063 |
Total Common Shares Outstanding | 14,174 | 14,678 | 15,137 | 15,886 | 16,551 | 17,063 |
Book Value Per Share | 7.87 | 7.03 | 6.51 | 6.01 | 5.38 | 5.09 |
Tangible Book Value | 85,377 | 85,862 | 79,342 | 75,552 | 70,459 | 70,346 |
Tangible Book Value Per Share | 6.02 | 5.85 | 5.24 | 4.76 | 4.26 | 4.12 |