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Banco Santander, S.A. filed a preliminary prospectus supplement for a multi-tranche senior non preferred note offering under its shelf. The bank plans to issue three USD-denominated series: a 2030 floating-rate tranche tied to Compounded SOFR, a 2030 fixed-rate tranche, and a 2035 fixed-rate tranche.
The notes rank as senior non preferred, pari passu with similar liabilities, junior to senior higher priority liabilities, and senior to subordinated obligations. They are subject to statutory bail-in; holders agree to the exercise of resolution powers. The floating notes pay interest quarterly based on daily compounded SOFR plus a margin, with a 0.000% floor and benchmark-transition mechanics; the fixed notes pay semi-annually. Redemption is permitted only upon specified tax or regulatory events or after ≥75% of a series has been redeemed or purchased and cancelled; there are no put rights. Minimum denomination is $200,000. The issuer intends to list the notes on the NYSE and settle through DTC. Net proceeds are earmarked for general corporate purposes.
Banco Santander reported progress on its share repurchase. The cash amount of shares purchased to October 29, 2025 totals €940,924,644, representing approximately 55.3% of the maximum investment amount authorized for the Buyback Programme.
Between October 23 and 29, 2025, the bank repurchased 12,600,000 shares across multiple venues (XMAD, CEUX, TQEX, AQEU) at disclosed weighted average prices per day and venue. With these purchases, Banco Santander has repurchased approximately 14.8% of its outstanding shares as of 2021.
Banco Santander filed interim 9M 2025 results, reporting profit attributable to the parent of €10,337m and basic EPS of €0.66 (vs €9,309m and €0.57 in 9M 2024). Total income was €43,507m, with operating profit before tax at €13,761m. Credit impairment charges were €9,372m. The group recorded profit from discontinued operations of €1,152m, reflecting the classification of Santander Bank Polska as held for sale.
Total assets were €1,840,668m and total equity €109,914m as of September 30, 2025. Cash flow from operating activities was €(7,818)m. Non‑current assets held for sale rose to €69,369m and associated liabilities to €59,058m, mainly Santander Bank Polska.
The group completed the sale of its 30.5% stake in CACEIS, recognizing a €231m gain, agreed to sell ~49% of Santander Bank Polska for about €7,000m and to acquire 60% of Santander Consumer Bank Polska for PLN 3,105m. An agreement to acquire TSB was announced for approximately £2,650m. Cash dividends paid were €0.1100/share (€1,643m), with an interim €0.115/share approved, and buybacks of up to €1,700m launched.
Banco Santander filed a 6‑K with supplementary results for 9M 2025, reporting underlying attributable profit of €10,337m, up 11% year over year. Total revenue was €46,277m and Q3 underlying attributable profit reached €3,504m, up 2.1% quarter on quarter.
Capital and liquidity remain strong: the CET1 ratio is 13.1%, slightly above the 12–13% operating range, with a 324 bps distance to MDA and a minimum CET1 requirement of 9.72%. Group NSFR stood at 160% and high-quality liquid assets were €343bn, including €163bn of cash. The bond portfolio totals €152bn (8% of total assets) with HTC&S duration of 1.8 years; the mark-to-market impact on the HTC book is stated as less than 1% of CET1 (€82.6bn). The Group issued €31.3bn in public markets in 9M’25 and reduced 2025 MREL/TLAC needs by c.€7bn. Credit quality metrics remained stable with a Group NPL ratio of 2.92%, NPL coverage of 67.1% and cost of risk at 1.13%.
Banco Santander, S.A. filed a 6-K sharing its 9M 2025 earnings presentation. Management highlights another record quarter with double-digit profit growth, driven by solid customer activity, strong net interest income and record fee income. The bank added 7 million customers year over year, reaching 178 million total customers, with 106 million active. Profitability remained strong with RoTE post-AT1 at 16.1% and the efficiency ratio at 41.3%. The CET1 ratio was 13.1% as of September 2025, reflecting strong organic capital generation.
Credit quality improved: the NPL ratio was 2.92%, the cost of risk decreased by 5 bps year over year, Retail cost of risk was 0.89% and Consumer 2.06%. Wealth reported AuMs of €536 billion (+11%). The presentation reiterates the ordinary policy to distribute approximately 50% of reported profit (cash dividends and buybacks) and references a target to allocate at least €10 billion to share buybacks across 2025–2026, including an intended ~€3.2 billion buyback linked to the sale of 49% of Santander Bank Polska, all subject to decisions and approvals.
Banco Santander reported a sixth consecutive quarterly record with Q3 2025 profit attributable to the parent of EUR 3,504 million, up 2% quarter-on-quarter. For 9M 2025, profit reached EUR 10,337 million, up 11% year-on-year, driven by resilient net interest income, strong fee growth, and lower provisions. The efficiency ratio improved to 41.3% and RoTE (post‑AT1) rose to 16.1%.
Capital remained solid: the phased‑in CET1 ratio was 13.1% (+10 bps in the quarter). Credit quality was stable with a cost of risk of 1.13% and an NPL ratio of 2.92% with 67% coverage. Customer funds grew 7% year‑on‑year in constant euros, outpacing loan growth.
The board approved an interim cash dividend of EUR 11.50 cents per share payable from 3 November 2025 and continued a share buyback of up to EUR 1.7 billion. Strategically, Santander agreed to sell ~49% of Santander Bank Polska and 50% of TFI to Erste for about EUR 7 billion and to acquire 100% of Santander Consumer Bank Polska (~EUR 0.7 billion), subject to approvals. It also agreed to acquire TSB for GBP 2.65 billion, and announced the merger of Openbank and Santander Consumer Finance.
Banco Santander reported record nine‑month results. Attributable profit reached €10,337 million, up 11% year on year, with earnings per share of €0.66 up 16% and return on tangible equity at 16.1% post‑AT1. Revenue was €46.3 billion, stable in euros and up 4% in constant euros, as record net fee income (€10.01 billion) and resilient net interest income offset a softer rate backdrop. Operating expenses fell 1%, improving the efficiency ratio to 41.3%.
Credit quality strengthened: loan‑loss provisions fell 1%, cost of risk improved to 1.13% and the non‑performing loan ratio declined to 2.92% with 67% coverage. The CET1 capital ratio rose to a record 13.1%. Third‑quarter attributable profit was €3,504 million, up 8% year on year, marking a sixth consecutive record quarter.
The board approved an interim cash dividend of 11.5 euro cents per share to be paid from 3 November 2025, 15% higher than last year’s comparable dividend, and the group reiterated 2025 targets, including revenue around €62 billion, cost of risk around 1.15% and RoTE around 16.5%. Santander also expects to distribute at least €10 billion in share buybacks from 2025 and 2026 earnings and excess capital.
Banco Santander reported progress on its share repurchase programme, detailing purchases executed between 16 and 22 October 2025. Over this period, the bank bought 16,100,000 shares across European trading venues at disclosed weighted average prices.
Cumulatively, the cash amount spent on the buyback reached €833,281,564, representing approximately 49% of the programme’s maximum investment amount as communicated previously. The bank also noted that, with these purchases, it has repurchased approximately 14.7% of its outstanding shares as of 2021. A transaction-by-transaction breakdown for the week is provided in an annex.
Banco Santander reported progress on its share buyback. The cash amount of shares purchased to 15 October 2025 totals €698,648,924, representing approximately 41.1% of the programme’s maximum investment amount.
Between 9 and 15 October 2025, the bank repurchased 11,100,000 shares across XMAD, CEUX, TQEX and AQEU, with venue-level weighted average prices disclosed in the table. With these purchases, Banco Santander has repurchased approximately 14.7% of its outstanding shares as of 2021.
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