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Dec 31, 2025
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Banco Santander Q4 2025 Earnings Report
Banco Santander delivered record quarterly profitability with strong revenue growth and improved efficiency in the fourth quarter.
Key Takeaways
Banco Santander reported a record Q4 2025 result, with profit attributable to the parent rising on the back of higher net interest income, strong fee growth and disciplined cost control, offsetting higher operating expenses.
Seventh consecutive quarterly record in attributable profit
Revenue growth was driven by higher net interest income and fees
Efficiency and returns improved versus the prior year
Capital position remained strong with a solid CET1 ratio
Forward Guidance
Management reiterated confidence in continued profitable growth supported by revenue momentum, efficiency gains and disciplined capital allocation.
Positive Outlook
- Sustained momentum in net interest income
- Continued growth in fee-based businesses
- Ongoing improvement in efficiency
- Strong capital generation capacity
- Commitment to shareholder returns
Challenges Ahead
- Macroeconomic uncertainty across key markets
- Potential volatility in interest rate environment
- Regulatory and geopolitical risks
- Inflationary pressures on operating costs
- Credit risk normalization over time
Historical Earnings Impact
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Avg. Return Before/After Earnings
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