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Banco Santander SAN.MC · EUR

Financials · Banks · BME · 🇪🇸 Spain

Euro Stoxx 50

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11.07

+3.46%

Close of 9 Nov 2026, in EUR

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About Banco Santander

Its shares trade on BME under the ticker SAN.MC. It has been listed since 22 January 1990. It is a member of the Euro Stoxx 50. In the fiscal year to 31 December 2025, it reported net income of €14.10bn. At that date it held total assets of €1.87trn and shareholders' equity of €103.17bn.

Banco Santander SA is a banking services company, which engages in the provision of banking services to individuals, companies, and institutions. The company is headquartered in Boadilla Del Monte, Madrid. The Banks segments include Continental Europe, the United Kingdom, Latin America and the United States. The Continental Europe segment covers all businesses in the Continental Europe. The United Kingdom segment includes the businesses developed by various units and branches in the country. The Latin America segment embraces all its financial activities conducted through its banks and subsidiaries in the region. The United States segment includes the Intermediate Holding Company (IHC) and its subsidiaries Santander Bank, Banco Santander Puerto Rico, Santander Consumer USA, Banco Santander International, Santander Investment Securities, and the Santander branch in New York. The firm's commercial model satisfies the needs of all types of customers: individuals with various income levels.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Banks
Listed since
22 Jan 1990
Employees
194,948

Leadership

Pay as last reported

  • Mr. Hector Blas Grisi ChecaChief Executive Officer, Executive Director, since 2023€8.3m
  • Mr. Jose Antonio AlvarezNon-Executive Vice Chairman of the Board, Other External Director, since 2004€5.6m
  • Mr. Jose Antonio Garcia CanteraGroup Chief Financial Officer
  • Mr. Dirk MarzlufGroup Chief Operating & Technology Officer
  • Mr. Javier Rogla PuigGroup Head - People & Culture
  • Mr. David Arthur HazellSenior Executive Vice President, Group Chief Compliance Officer
  • Ms. Julia Bayon PedrazaGroup Senior Executive Vice President, Group Chief Audit Executive
  • Mr. Jose Maria Linares PerouSenior Executive Vice President, Global Head - Corporate and Investment Banking
  • Mr. Jose Francisco Doncel RazolaGroup Chief Accounting Officer
  • Mr. Juan Manuel Cendoya Mendez de VigoGroup Head - Communications, Corporate Marketing and Research
  • Mr. Mahesh Chatta AdityaGroup Chief Risk Officer
  • Mr. Jaime Perez RenovalesGroup General Counsel, General Secretary, Non-Member Secretary of the Board

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
82
Environment
92
Social
87
Governance
66
Direct emissions (scope 1)
35,503 t
Energy emissions (scope 2)
194,276 t
Value chain emissions (scope 3)
1,116,061 t
Women in the workforce
52.4%
Carbon reduction policy
Yes
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Strong Global Presence: Banco Santander SA operates in multiple countries, allowing it to benefit from diversification and capture new growth opportunities.
  • Solid Financial Performance: The company has a strong track record of generating profits and maintaining a healthy balance sheet, which enhances investor confidence.
  • Extensive Product Portfolio: Banco Santander SA offers a wide range of financial products and services, including banking, insurance, and asset management, catering to diverse customer needs.

Weaknesses

  • Heavy Reliance on European Market: The majority of Banco Santander SA's revenues are generated from the European market, making it vulnerable to economic downturns and regulatory changes in the region.
  • High Exposure to Interest Rate Risk: Fluctuations in interest rates can impact the profitability of the bank, as it heavily relies on net interest income for revenue generation.

Opportunities

  • Expansion into Emerging Markets: Banco Santander SA can tap into the growing economies of emerging markets to increase market share and diversify its revenue streams.
  • Technological Advancements: Leveraging technology and digitalization can help the bank improve operational efficiency, enhance customer experience, and stay ahead of competitors.
  • Acquisitions and Partnerships: Strategic acquisitions and partnerships can provide Banco Santander SA with access to new markets, customer segments, and innovative technologies.

Threats

  • Intense Competition: The banking industry is highly competitive, with both traditional banks and fintech disruptors vying for market share. This could potentially impact Banco Santander SA's profitability and customer retention.
  • Regulatory and Compliance Challenges: Stringent regulations and increasing compliance costs pose challenges to the bank's operations, potentially impacting profitability and hindering innovation.
  • Economic Uncertainty: Global economic conditions, such as recessions or economic slowdowns, can have a significant impact on Banco Santander SA's financial performance and growth prospects.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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