Record-Breaking Profit
Profit reached a record €12.6 billion, supported by both strong revenue growth and customer growth, adding 8 million customers.
Strong Capital Ratio
Santander's capital ratio ended the year at an all-time high of 12.8%, reflecting strong capital generation.
Significant Efficiency Improvement
Efficiency improved by more than 2 percentage points, with profitability RoTE increasing to 16.3%.
Successful Customer Growth
Santander grew 8 million customers across global businesses, contributing to strong revenue growth.
Revenue and Fee Income Growth
Top-line revenue grew 10% in constant euros, and fee income increased by 11%, driven by network benefits.
Significant Shareholder Returns
TNAV and dividend per share grew by 14%, and share buybacks resulted in a 15% reduction of outstanding shares.