Banco Santander has obtained a record attributed profit of 14.101 millones de euros in 2025, representing a 12% increase over the previous year. This financial milestone reflects the strong performance of the net interest margin and the acquisition of eight million new customers globally.
Historical results and profitability for the shareholder
The 2025 fiscal year is confirmed as the fourth consecutive year of record results for the entity chaired by Ana BotínThe profit attributable to shareholders for the fourth quarter amounted to 3.764 millones de euros, up 15%, marking the seventh consecutive quarter of historic growth. This performance has allowed the board of directors to approve a new share buyback program worth 5.000 millones de euros.
The group's profitability has shown an upward trend, placing the return on tangible capital (RoTE) post-AT1 in the 16,3 %Likewise, earnings per share (BPA) climbed up to the 0,91 Euros, reflecting a 17% increase, while the tangible book value (TNAV) per share closed the year in 5.76 Euros.
| Financial Indicator 2025 | Value / Figure | Year-on-year variation |
|---|---|---|
| Attributed Benefit | €14.101 million | + 12 % |
| Earnings Per Share (EPS) | 0,91 € | + 17 % |
| RoTE post-AT1 | 16,3 % | +0,8 pp |
| CET1 Capital Ratio | 13,5 % | Historical record |
| Total Customers | 180 million | +8 million |
Business growth and operational efficiency
Total revenue from Banco Santander were located in 62.390 millones de eurosThis result is supported by record commission income of 13.661 millones de euros (+9% in constant euros) and the resilience of the net interest margin despite a less favorable interest rate environment in various international markets. The entity highlights that lending increased by 4%, reaching approximately one trillion euros.
The president of the organization, Ana Botín, has linked this success to the execution of the corporate strategy: "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."
In terms of efficiency, the group has managed to reduce its ratio from 45,8% to 41,2 % In the last three years, thanks to digitization and process simplification in its main areas:
- Retail y ConsumerMain drivers of new customer acquisition.
- PaymentsBenefited from the increase in the volume of global transactions.
- WealthGrowth driven by increased asset engagement and management.
Key points and frequently asked questions about Banco Santander's results
What is the approved shareholder payout?
The advice of Banco Santander has approved a new share buyback program with a total value of 5.000 millones de euros, after increasing earnings per share by 17% during the 2025 fiscal year.
What has been the evolution of the customer base?
The organization has reached a historic milestone of 180 million customers worldwide, after adding eight million new users thanks to the boost from its units of Retail, Consumer and growth in Payments.
How has operational efficiency affected the results?
The efficiency ratio has improved significantly, reaching... 41,2 %This optimization is the result of the strategy ONE Transformation and the use of shared global platforms that reduce the cost of service.
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