Banco Santander S.A
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, an… Read more
Banco Santander S.A - Asset Resilience Ratio
Banco Santander S.A (BCDRF) has an Asset Resilience Ratio of 3.25% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2025)
This chart shows how Banco Santander S.A's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Banco Santander S.A's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $60.59 Billion | 3.25% |
| Total Liquid Assets | $60.59 Billion | 3.25% |
Asset Resilience Insights
- Limited Liquidity: Banco Santander S.A maintains only 3.25% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Banco Santander S.A Industry Peers by Asset Resilience Ratio
Compare Banco Santander S.A's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Communications Co
SHG:601328 |
Banks - Diversified | -15.60% |
|
ABN AMRO Bank N.V
PINK:AAVMY |
Banks - Diversified | 5.84% |
|
ABN Amro Group NV
AS:ABN |
Banks - Diversified | 0.77% |
|
Agricultural Bank of China PK
PINK:ACGBY |
Banks - Diversified | -17.41% |
|
Alior Bank S.A.
WAR:ALR |
Banks - Diversified | -0.22% |
|
Bank of America Corp
NYSE:BAC |
Banks - Diversified | 21.46% |
|
Bank of China Ltd H
PINK:BACHF |
Banks - Diversified | -20.31% |
|
Banco Bilbao Vizcaya Argentaria S.A
PINK:BBVXF |
Banks - Diversified | 6.84% |
Annual Asset Resilience Ratio for Banco Santander S.A (2004–2025)
The table below shows the annual Asset Resilience Ratio data for Banco Santander S.A.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 3.25% | $60.59 Billion | $1.87 Trillion | -1.04pp |
| 2024-12-31 | 4.29% | $78.75 Billion | $1.84 Trillion | +3.09pp |
| 2023-12-31 | 1.20% | $21.51 Billion | $1.80 Trillion | -3.24pp |
| 2022-12-31 | 4.44% | $77.02 Billion | $1.73 Trillion | -1.85pp |
| 2021-12-31 | 6.29% | $100.38 Billion | $1.60 Trillion | -1.12pp |
| 2020-12-31 | 7.41% | $111.69 Billion | $1.51 Trillion | -0.56pp |
| 2019-12-31 | 7.96% | $121.27 Billion | $1.52 Trillion | -0.22pp |
| 2018-12-31 | 8.19% | $119.49 Billion | $1.46 Trillion | -2.25pp |
| 2017-12-31 | 10.44% | $150.81 Billion | $1.44 Trillion | +0.73pp |
| 2016-12-31 | 9.71% | $130.01 Billion | $1.34 Trillion | -0.21pp |
| 2015-12-31 | 9.92% | $132.94 Billion | $1.34 Trillion | +0.22pp |
| 2014-12-31 | 9.69% | $122.76 Billion | $1.27 Trillion | +1.48pp |
| 2013-12-31 | 8.22% | $91.69 Billion | $1.12 Trillion | +0.40pp |
| 2012-12-31 | 7.82% | $99.33 Billion | $1.27 Trillion | +0.76pp |
| 2011-12-31 | 7.07% | $88.43 Billion | $1.25 Trillion | -0.71pp |
| 2010-12-31 | 7.78% | $94.66 Billion | $1.22 Trillion | -1.37pp |
| 2009-12-31 | 9.15% | $101.58 Billion | $1.11 Trillion | -13.38pp |
| 2008-12-31 | 22.52% | $236.40 Billion | $1.05 Trillion | +16.39pp |
| 2007-12-31 | 6.13% | $55.96 Billion | $912.91 Billion | +0.37pp |
| 2006-12-31 | 5.76% | $46.53 Billion | $808.49 Billion | -6.05pp |
| 2004-12-31 | 11.81% | $78.46 Billion | $664.49 Billion | -- |