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Banco Santander
Banco Santander (SAN) investor relations material
Banco Santander Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary10 Feb, 2026
Strategic overview and business model
Focused on being the best open financial services platform, guided by simplicity, personalization, and fairness.
Operates a diversified, global business model with five main segments: Retail, Consumer, CIB, Wealth, and Payments.
Customer-centric strategy with 180 million total customers, 106 million active, and 63 million digital customers as of Dec 2025.
Combines global scale with local leadership, holding leading market shares in key regions and products.
Strong emphasis on digital transformation, omni-channel experience, and leveraging technology for operational efficiency.
Financial performance and results FY'25
Achieved record attributable profit of €14.1bn (+12% YoY), with double-digit growth for the fourth consecutive year.
Total revenue reached €62.4bn, with net interest income of €45.4bn and net fee income of €13.7bn.
Efficiency ratio improved to 41.2%, the best in over 15 years, and ROTE post-AT1 rose to 16.3%.
Cost of risk remained stable at 1.15%, and CET1 capital ratio increased to 13.5%.
Tangible net asset value per share plus cash dividends per share grew 14% YoY.
Segment highlights and operational execution
Retail & Commercial Banking: €7.7bn profit, 17.7% ROTE, 39.4% efficiency, 153 million customers.
Digital Consumer Bank: €1.7bn profit, 8.6% ROTE, 40.6% efficiency, #1 in auto lending in Europe and South America.
CIB: €2.8bn profit, 19.1% ROTE, 45.5% efficiency, focus on US growth and digitalization.
Wealth Management & Insurance: €2.1bn profit, 68.5% ROTE, 35.3% efficiency, €558bn AuM.
Payments: €0.9bn profit, 34.5% EBITDA margin, 15.5bn transactions, 108 million cards managed.
Future efficiency gains from ONE Transformation?
Consumer Bank's digital expansion strategy impact?
Webster acquisition's capital generation impact?
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Next Banco Santander earnings date
CMD 202625 Feb, 2026
Banco Santander
Next Banco Santander earnings date
CMD 202625 Feb, 2026
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Frequently asked questions
Banco Santander S.A. offers a wide range of banking and financial services, including retail banking, corporate banking, asset management, and insurance products. The bank operates primarily in Europe, Latin America, and North America, serving individual customers, SMEs, and multinational corporations. Banco Santander S.A. is headquartered in Madrid, Spain, and its shares are listed on the BME.
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