Strong Tangible Book Value Growth
Tangible book value per share plus dividends increased by 17% year-over-year and 4.5% in the quarter.
High Return on Tangible Equity
Industry-leading return on tangible equity of 19.7% and ROE of 18.8% in the first 9 months of 2025.
Record Net Attributable Profit
Net attributable profit exceeded EUR 2.5 billion, with a cumulative profit of nearly EUR 8 billion in the first 9 months, a 4.7% increase year-over-year.
Robust Loan Growth
Loan growth maintained at 16% year-over-year, leading to strong net interest income performance.
Positive Capital Position
CET1 capital ratio improved by 8 basis points to 13.42%, with plans for a significant share buyback program.
Strategic Progress in Sustainability
Record EUR 97 billion channeled in sustainable business within the first 9 months of 2025.
Strong Performance in Spain
Spain showed strong momentum with a net profit of EUR 3.1 billion in the first 9 months, driven by solid business performance and outstanding NII evolution.
Positive Asset Quality Metrics
Cost of risk in Spain remains contained at 34 basis points, and asset quality metrics are performing better than expectations.