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Banco Santander, S.A. filed a Form 13F holdings report as an institutional investment manager. The filing states a Form 13F information table covering 929 securities positions with an aggregate reported value of $16,078,007,699, rounded to the nearest dollar. The report consolidates positions for five other included managers, including Banco Santander International entities and several affiliated investment and holding companies.
Banco Santander delivered strong H1 2026 results, with profit attributable to the parent of EUR 8,973 million, up 31% year-on-year, and underlying profit of EUR 7,328 million, up 15%. Q2 underlying profit reached EUR 3,768 million, another quarterly record despite restructuring and disposal-related effects.
Total income in H1 rose 6% to EUR 30,822 million, driven by higher net interest income (+7%) and net fee income (+8%), while underlying costs were flat, improving the efficiency ratio to 42.8%. Gross loans excluding reverse repos grew 9% year-on-year in constant euros and customer funds 11%, helped by the completed TSB UK acquisition and broad-based growth across businesses.
Asset quality remained solid, with cost of risk at 1.15% and an NPL ratio of 2.93%. The phased-in CET1 ratio was 14.0% and the liquidity coverage ratio 155%. The Poland disposal generated a EUR 1,895 million capital gain, supporting RoTE of 17.4% and enabling cash dividends of EUR 24.00 cents per share on 2025 results plus large ongoing share buybacks.
Banco Santander, S.A. reports strong H1 2026 results, with profit attributable to the parent of EUR 8,973 million, a 31% year-on-year increase and a new record, including a EUR 1,895 million capital gain from the Poland disposal. Underlying profit attributable to the parent reached EUR 7,328 million, up 15% (14% in constant euros). Net interest income was EUR 22,711 million (+7%), total income EUR 30,847 million (+6%), and net operating income EUR 17,636 million (+12%). Underlying RoTE for H1 2026 rose to 15.6%, with EPS of EUR 0.60 reported and EUR 0.48 underlying.
Total assets grew to EUR 1,954,465 million (+7.6% year-on-year), loans to customers to EUR 1,149,162 million (+13.7%) and customer deposits to EUR 1,133,762 million (+12.5%). The acquisition of TSB for GBP 2.9 billion (about EUR 3.3 billion) added around EUR 53 billion of assets and 42 billion of largely mortgage loans, reducing the June CET1 ratio by 55 bps, while the sale of 49% of Santander Bank Polska and 50% of its asset manager for about EUR 7 billion generated the capital gain and added 95 bps to CET1. The phased-in CET1 ratio stands at 14.0%, total capital ratio at 18.8%, cost of risk at 1.15%, NPL ratio at 2.93% and Group LCR at 155%.
Shareholder remuneration remains a priority. Total remuneration charged against 2025 results is about EUR 7,030 million, combining an interim dividend of EUR 11.50 cents per share, a final dividend of EUR 12.50 cents and share buybacks (EUR 1,700 million completed and EUR 1,830 million under a second programme of up to EUR 5,030 million). Santander plans to allocate at least EUR 10 billion to share buybacks from 2025–2026 and to distribute around 50% of underlying profit for 2026–2028, subject to corporate and regulatory approvals.
Banco Santander, S.A. provides an update on its share buyback programme of own shares. Between 16 and 22 July 2026 it repurchased a total of 13,000,000 ordinary shares on Spanish and European trading venues, including purchases on XMAD and CEUX at specified weighted average prices.
As of 22 July 2026, the cash amount invested in the buyback reached €4,053,401,441, representing approximately 80.6% of the programme’s maximum investment amount. Cumulatively, the bank has repurchased approximately 17.5% of its outstanding shares as of 2021 under this programme.
Banco Santander, S.A. reported record H1 2026 attributable profit of €8.97bn, up 31%, with underlying profit €7.33bn, up 15% year-on-year. Q2 underlying profit was €3.8bn, up 17%.
Total revenue grew to €30.85bn (+6%), driven by net interest income of €22.71bn (+7%) and net fee income of €6.85bn (+9%). Costs were broadly flat, falling 5% in real terms, improving the efficiency ratio to 42.8%, down 2.9 percentage points.
Credit quality remained stable, with cost of risk at 1.15%; excluding Argentina it improved to 1.07%. Loans reached €655bn (+9%) and deposits €687bn (+13%). The fully loaded CET1 capital ratio rose to 14.0%, about 1 percentage point higher, supported by organic generation and portfolio actions.
Underlying return on tangible equity increased to 15.6%, while tangible net asset value per share plus cash dividends per share rose 19%. The group has executed or approved roughly €9bn of share buybacks toward its at least €10bn 2025–2026 target and states it is on track to meet 2026 financial objectives.
Banco Santander reported record H1 2026 profit attributable to the parent of EUR 8,973 million, up 31% year-on-year, driven by solid revenue growth and a EUR 1,895 million capital gain from the Poland disposal, while TSB’s May consolidation began contributing to results.
Underlying profit reached EUR 7,328 million (+15%), with underlying RoTE of 15.6% and RoTE of 17.4%. Net interest income was EUR 22,711 million (+7%) and net fee income EUR 6,851 million (+8%), lifting total income to EUR 30,847 million.
Loans to customers rose to EUR 1,149,162 million and customer deposits to EUR 1,133,762 million, while the phased‑in CET1 ratio stood at 14.0% after a 95 bp uplift from the Poland sale and a 55 bp impact from the TSB acquisition. Cost of risk was 1.15% with an NPL ratio of 2.93%. The group advanced its UK and US expansion (TSB closed, Webster agreed) and returned about EUR 7,030 million to shareholders on 2025 results via dividends and share buybacks.
Banco Santander reported a record underlying profit of €7,328 million for the first half of 2026, up 15%, on revenue of €30,847 million, up 6%. Growth was driven by higher net interest income and fees, expanding customer activity and volumes, and cost reductions from its ONE Transformation programme.
Attributable profit reached €8,973 million, including a €1.9 billion net capital gain from the Poland disposal partially offset by €250 million of TSB restructuring costs. The efficiency ratio improved to 42.8%, while credit quality remained solid with cost of risk at 1.15% and a non-performing loan ratio of 2.93% with 64% coverage.
The CET1 ratio stood at 14.0% after completing the TSB acquisition, as the group plans to end 2026 with a CET1 ratio between 12.8% and 13%. Santander added 12 million customers year-on-year to 182 million and is combining a 24 euro cent cash dividend per share with large share buybacks, aiming to deliver about €9 billion of buybacks toward a commitment of at least €10 billion for 2025–2026, while reaffirming its 2026 and 2028 profitability and growth targets.
Banco Santander, S.A. reports progress on its share buyback programme. The cash amount used to purchase its own shares reached 3,899,027,041 Euros as of 15 July 2026, representing approximately 77.5% of the programme’s maximum investment amount.
The bank states that, with these purchases, it has repurchased about 17.4% of its outstanding shares as of 2021. Between 9 and 15 July 2026, it bought 11,822,286 shares on XMAD and CEUX through several daily transactions at weighted average prices including €12.1509 and €11.9540 per share.
Banco Santander, S.A. plans to disclose its first half 2026 financial results on 22 July 2026. The bank will host an analyst presentation via audio conference at 10:00 a.m. Madrid time, accessible through its corporate website.
A separate media presentation will be held via audio conference at 12:00 p.m. Madrid time, with supporting documents made available in advance through a communication to the CNMV and on the website.
Banco Santander reports further progress on its share buyback programme. Between 2 and 8 July 2026, the bank repurchased 10,175,407 ordinary shares on the Madrid exchange under its ongoing Buyback Programme.
The total cash invested in buybacks up to 8 July 2026 amounts to 3,756,788,259 Euros, which is approximately 74.7% of the programme’s maximum investment amount. The bank states that, with these purchases, it has repurchased approximately 17.4% of its outstanding shares as of 2021.