Banco Santander Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	152,281	192,208	220,342	223,073	210,689
Securities and Investments	82,373	96,028	89,218	90,952	113,574
Short-Term Interbank Lending and Reverse Repurchase Agreements	8,046	7,915	9,773	8,989	15,957
Trading Assets	252,318	230,253	176,921	156,118	116,953
Other Earning Assets	3,981	4,968	4,509	4,320	5,171
Gross Loans	1,062,680	1,082,760	1,087,840	1,073,490	1,002,190
Net Loans	1,202,690	1,203,710	1,191,400	1,147,040	1,037,900
Net Property, Plant & Equipment	27,438	32,087	33,882	34,073	33,321
Other Intangible Assets	5,350	5,821	5,854	4,904	3,871
Goodwill	11,958	13,438	14,017	13,741	12,713
Long-Term Investments	7,052	7,277	7,646	7,615	7,525
Other Non-Earning Assets	114,096	43,460	43,590	43,934	38,312
Total Assets	1,867,520	1,837,080	1,797,060	1,734,660	1,595,840
Interest-bearing deposits	1,005,080	1,036,950	1,027,330	997,496	912,203
Total Deposits	1,005,080	1,036,950	1,027,330	997,496	912,203
Short-Term Interbank Borrowing and Repurchase Agreements	97,744	118,293	132,972	149,232	193,663
Trading Liabilities	171,546	152,151	122,270	115,185	79,469
Long-Term Debt	324,390	325,521	308,579	280,339	246,163
Other Liabilities	156,007	96,837	101,668	94,822	67,284
Total Liabilities	1,754,770	1,729,750	1,692,820	1,637,070	1,498,780
Preferred Stock	-	-	1,440	1,376	1,316
Common Stock	14,690	15,152	16,184	16,794	17,340
Treasury Stock	-96	-68	-1,078	-675	-894
Additional Paid-in Capital	36,792	40,079	44,373	46,273	47,979
Accumulated Other Comprehensive Income	-37,974	-36,595	-35,020	-35,628	-32,719
Retained Earnings	97,103	87,609	78,336	70,049	63,236
Total Common Shareholders' Equity	103,170	98,601	95,423	89,104	86,930
Minority Interest	9,578	8,726	8,818	8,481	10,123
Shareholders' Equity	112,748	107,327	104,241	97,585	97,053
Total Liabilities & Equity	1,867,520	1,837,080	1,797,060	1,734,660	1,595,840
Total Debt	324,390	325,521	308,579	280,339	246,163
Net Cash (Debt)	-324,390	-325,521	-308,579	-280,339	-246,163
Net Cash Per Share	-21.66	-20.91	-18.99	-16.58	-14.21
Book Value	103,170	98,601	95,423	89,104	86,930
Book Value Per Share	6.89	6.33	5.87	5.27	5.02
Tangible Book Value	85,862	79,342	75,552	70,459	70,346
Tangible Book Value Per Share	5.73	5.10	4.65	4.17	4.06

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q