Banco Santander, S.A. (SAN) Quarterly Income Statement

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Banco Santander, S.A. (SAN) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

SAN Income Statement

Banco Santander, S.A. (SAN) annual income statement — 28-year revenue, gross profit & net income history

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21	Q3'21	Q2'21

Net Interest Income	11.02B	10.79B	8.84B	10.59B	11.38B	11.99B	11.22B	11.47B	11.98B	11.12B	11.22B	10.52B	10.4B	-794M	10.05B	2.21B	8.86B	8.72B	8.46B	8.24B
NII Growth %	-3.16%	-9.99%	-21.29%	-7.7%	-5.05%	7.77%	0.05%	9.03%	15.27%	1500.76%	11.62%	375.98%	17.4%	-109.11%	18.83%	-73.17%	11.3%	8.69%	8.81%	6.8%
Net Interest Margin %	0.59%	0.58%	0.56%	0.58%	0.62%	0.65%	0.62%	0.64%	0.67%	0.62%	0.62%	0.59%	0.59%	-0.05%	0.55%	0.13%	0.53%	0.55%	0.54%	0.53%
Interest Income	25.25B	10.79B	8.84B	10.59B	26.9B	11.99B	11.22B	11.47B	29.24B	11.12B	11.22B	10.52B	23.89B	10.16B	10.05B	9.55B	13.97B	12.83B	11.7B	11.18B
Interest Expense	14.23B	0	0	0	15.53B	0	0	0	17.26B	0	0	0	13.49B	10.95B	0	7.34B	5.12B	4.12B	3.24B	2.94B
Loan Loss Provision	3.19B	3.17B	2.43B	3.45B	3.12B	3.12B	2.95B	3.44B	3.13B	3.48B	3.24B	2.94B	3.3B	3.03B	3.07B	2.64B	2.11B	1.42B	2.19B	1.76B
Non-Interest Income	4.42B	4.19B	3.27B	3.74B	4.67B	3.83B	3.72B	4.02B	4.5B	3.28B	3.48B	3.39B	4.41B	3.16B	3.23B	3.08B	3.77B	3.68B	3.7B	3.83B
Non-Interest Income %	28.65%	27.97%	27.01%	26.11%	29.12%	24.2%	24.87%	25.93%	27.29%	22.77%	23.65%	24.39%	29.78%	133.52%	24.34%	58.23%	29.85%	29.69%	30.42%	31.76%
Total Net Revenue	15.44B	14.98B	12.1B	14.33B	16.05B	15.81B	14.94B	15.49B	16.48B	14.4B	14.7B	13.92B	14.8B	2.37B	13.29B	5.29B	12.62B	12.4B	12.16B	12.07B
Revenue Growth %	-3.79%	-5.27%	-18.99%	-7.48%	-2.6%	9.8%	1.67%	11.29%	11.32%	507.89%	10.61%	162.95%	17.29%	-80.89%	9.29%	-56.17%	7.17%	5.12%	6.48%	6.2%
Non-Interest Expense	7.23B	6.88B	5.7B	6.47B	7.74B	8.09B	7.08B	7.12B	8.77B	7B	7.01B	6.72B	7.67B	-4.15B	6.37B	-1.09B	6.34B	7.15B	6.17B	6.5B
Efficiency Ratio	46.8%	45.96%	47.06%	45.14%	48.23%	51.18%	47.35%	45.98%	53.23%	48.61%	47.69%	48.31%	51.81%	-175.05%	47.92%	-20.61%	50.21%	57.68%	50.72%	53.87%
Operating Income	5.03B	4.92B	3.98B	4.42B	5.19B	4.6B	4.92B	4.92B	4.58B	3.92B	4.45B	4.26B	3.83B	3.49B	3.85B	3.74B	4.17B	3.83B	3.8B	3.81B
Operating Margin %	32.56%	32.85%	32.85%	30.81%	32.31%	29.09%	32.92%	31.79%	27.81%	27.23%	30.26%	30.59%	25.88%	147.28%	28.95%	70.73%	33.04%	30.91%	31.28%	31.57%
Operating Income Growth %	-3.05%	6.96%	-19.17%	-10.36%	13.18%	17.29%	10.61%	15.66%	19.6%	12.41%	15.63%	13.73%	-8.13%	-8.93%	1.16%	-1.78%	34.46%	220.59%	21.12%	145.92%
Pretax Income	5.03B	4.92B	3.98B	4.42B	5.19B	4.6B	4.92B	4.92B	4.58B	3.92B	4.45B	4.26B	3.83B	3.49B	3.85B	3.74B	4.17B	3.83B	3.8B	3.81B
Pretax Margin %	32.56%	32.85%	32.85%	30.81%	32.31%	29.09%	32.92%	31.79%	27.81%	27.23%	30.26%	30.59%	25.88%	147.28%	28.95%	70.73%	33.04%	30.91%	31.28%	31.57%
Income Tax	1.25B	1.16B	1.02B	1.04B	1.45B	1.04B	1.33B	1.45B	1.47B	724M	1.27B	1.31B	967M	948M	1.16B	1.07B	1.3B	1.17B	1.25B	1.33B
Effective Tax Rate %	24.86%	23.64%	25.62%	23.62%	27.88%	22.54%	27.04%	29.4%	32.03%	18.46%	28.58%	30.86%	25.23%	27.17%	30.27%	28.63%	31.22%	30.51%	32.9%	34.92%
Net Income	5.46B	3.76B	2.99B	3.43B	3.4B	3.27B	3.25B	3.21B	2.85B	2.93B	2.9B	2.67B	2.57B	2.29B	2.42B	2.35B	2.54B	2.27B	2.17B	2.07B
Net Margin %	35.32%	25.13%	24.72%	23.94%	21.19%	20.65%	21.75%	20.7%	17.3%	20.37%	19.75%	19.18%	17.37%	96.62%	18.23%	44.42%	20.15%	18.35%	17.88%	17.12%
Net Income Growth %	60.35%	15.28%	-7.95%	6.98%	19.28%	11.32%	11.99%	20.11%	10.93%	28.13%	19.82%	13.57%	1.1%	0.62%	11.41%	13.74%	58.15%	721.3%	24.23%	118.57%
Net Income (Continuing)	3.78B	3.76B	2.96B	3.37B	3.74B	3.56B	3.59B	3.48B	3.12B	3.2B	3.18B	2.94B	2.87B	2.54B	2.68B	2.67B	2.87B	2.66B	2.55B	2.48B
EPS (Diluted)	0.36	0.24	0.19	0.22	0.21	0.20	0.20	0.20	0.17	0.17	0.18	0.16	0.15	0.13	0.14	0.13	0.14	0.09	0.11	0.10
EPS Growth %	71.43%	20%	-5%	10%	23.53%	17.65%	11.11%	25%	13.33%	30.77%	28.57%	23.08%	7.14%	40.09%	27.27%	34.85%	75%	758.16%	-15.38%	114.39%
EPS (Basic)	0.36	0.25	0.20	0.22	0.22	0.22	0.21	0.21	0.19	0.18	0.17	0.16	0.15	0.13	0.14	0.13	0.14	0.09	0.13	0.12
Diluted Shares Outstanding	15.15B	15.69B	15.93B	14.87B	16.2B	16.32B	16.25B	16.04B	16.78B	17.25B	15.94B	16.69B	17.14B	17.61B	16.52B	18.08B	17.06B	18.35B	18.74B	18.62B