Banco Santander closes 2025 with a net profit of 14.101 billion euros, up 12%, driven by growth in all its global businesses and historic operational efficiency under the ONE Transformation strategy.
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In a year marked by the consolidation of its global business model, Banco Santander It posted a net profit of €14.101 billion in 2025, representing a 12% year-on-year increase. This record result is supported by the acquisition of eight million new customers and a strong credit rating.
Historic milestone in customer acquisition and profitability
The financial group has managed to break through the barrier for the first time. 180 million customers globally. This operational growth has had a direct impact on shareholder value creation: earnings per share (EPS) It stood at €0,91, representing a 17% increase compared to the previous year. Furthermore, the board of directors has approved a new share buyback program valued at 5.000 millones de euros.
The president of Banco Santander, Ana BotínHe highlighted that these milestones are the result of the entity's digital and structural transformation: "The results reflect the success of our strategy ONE Transformation"The discipline in capital allocation and the impact of the network effect on our global businesses. The deployment of shared global platforms is improving the customer experience and reducing the cost of service."
Key financial indicators for 2025
The bank's operational efficiency has shown a substantial improvement, placing its ratio at 41,2% after three years of continuous optimization. Meanwhile, solvency remains at peak levels, with a capital ratio CET1 which reached 13,5% at the end of the year.
| Financial Concept | Data 2025 | Variation / State |
|---|---|---|
| Attributed Benefit | 14.101 M€ | + 12 % |
| Total Customers | 180 Millions | +8 Million |
| RoTE post-AT1 | 16,3% | +0,8 pp |
| CET1 Capital Ratio | 13,5% | Historical record |
| Share Buyback Program | 5.000 M€ | Approved |
Evolution of assets and deposits
the balance of Banco Santander It reflects a positive business dynamic in various business segments:
- Customer resources: They grew by 6% in constant euros, with investment funds showing a notable increase of 14%.
- Total credit: It stood at around one trillion euros, with a 4% increase driven by the units of Retail, Consumer, Payments y Wealth.
- Commission income: They reached a record level of 13.661 billion euros, offsetting the variable interest rate environment.
The tangible book value (TNAVThe price per share ended the year at €5,76. Including cash dividends paid, total value creation for investors increased by 14% during 2025.
Key points and frequently asked questions about Santander's results
What is the announced shareholder payout?
The advice of Banco Santander has approved a new share buyback program worth 5.000 millones de euros, taking advantage of the 17% increase in earnings per share.
What is the impact of the ONE Transformation strategy?
This strategy has allowed us to improve the efficiency ratio from 45,8% to 41,2% in the last three years, thanks to the use of shared global platforms that reduce the cost of service.
How has the bank's customer base evolved?
The entity added eight million new customers in 2025, reaching a total of 180 million, driven especially by the consumer, payments and wealth management segments.
