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Jun 30, 2025
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Banco Santander Q2 2025 Earnings Report
Banco Santander reported a fifth consecutive record quarter, with strong income, robust profitability, and improved efficiency.
Key Takeaways
Banco Santander delivered solid Q2 2025 results, achieving record net income of €3.43B driven by broad-based strength across global businesses and strict cost control. EPS improved, efficiency reached a multi-year best, and RoTE rose year-over-year. Management reaffirmed full-year targets amid a complex macroeconomic backdrop.
Net income reached €3.43B, a record fifth consecutive quarter
EPS rose to €0.22, up from €0.21 in Q1
Efficiency ratio improved to 41.2%, best in over 15 years
RoTE (post-AT1) increased to 16.2% in Q2 2025
Revenue by Geographic Location
Forward Guidance
Santander expects to meet its full-year 2025 targets, supported by solid income growth, improved cost efficiency, and healthy credit quality.
Positive Outlook
- Strong fee and net interest income across most global businesses
- Cost efficiency programs delivering margin expansion
- Improved asset quality and lower NPL ratio
- Solid capital generation with CET1 at 13.0%
- Continued growth in active and digital customers
Challenges Ahead
- Challenging macroeconomic and geopolitical environment
- Lower interest rates in Argentina and Europe impacting NII
- Credit provision increases in Brazil due to macro pressures
- Soft performance in Consumer segment from EU auto demand
Historical Earnings Impact
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Avg. Return Before/After Earnings
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