Banco Santander S.A. (SAN) — Net Asset Quality Index
Banco Santander S.A. (SAN) has a Net Asset Quality Index of 6.1% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of €1.86 Trillion minus total liabilities of €1.74 Trillion yields net assets of €112.55 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Banco Santander S.A. (SAN) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Banco Santander S.A. Net Asset Quality Index Over Time (1991–2025)
This chart shows how Banco Santander S.A.'s Net Asset Quality Index has evolved across 35 annual periods from 1991 to 2025. As of March 2026, the index stands at 6.1%, representing net assets of €112.55 Billion against total assets of €1.86 Trillion EUR. See how liquid is Banco Santander S.A.'s working capital to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Banco Santander S.A. (1991–2025)
The table below presents the year-by-year Net Asset Quality Index for Banco Santander S.A. from 1991 to 2025, covering 35 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Banco Santander S.A. (SAN) total market value.
| Year | Quality Index | Net Assets (EUR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 6.0% | €112.75 Billion | €1.87 Trillion | €1.75 Trillion | ▲ +0.2 pp |
| 2024 | 5.8% | €107.33 Billion | €1.84 Trillion | €1.73 Trillion | ▲ +0.0 pp |
| 2023 | 5.8% | €104.24 Billion | €1.80 Trillion | €1.69 Trillion | ▲ +0.2 pp |
| 2022 | 5.6% | €97.58 Billion | €1.73 Trillion | €1.64 Trillion | ▼ -0.5 pp |
| 2021 | 6.1% | €97.05 Billion | €1.60 Trillion | €1.50 Trillion | ▲ +0.0 pp |
| 2020 | 6.1% | €91.32 Billion | €1.51 Trillion | €1.42 Trillion | ▼ -1.2 pp |
| 2019 | 7.3% | €110.66 Billion | €1.52 Trillion | €1.41 Trillion | ▼ -0.1 pp |
| 2018 | 7.4% | €107.36 Billion | €1.46 Trillion | €1.35 Trillion | ▼ 0.0 pp |
| 2017 | 7.4% | €106.83 Billion | €1.44 Trillion | €1.34 Trillion | ▼ -0.3 pp |
| 2016 | 7.7% | €102.70 Billion | €1.34 Trillion | €1.24 Trillion | ▲ +0.3 pp |
| 2015 | 7.4% | €98.75 Billion | €1.34 Trillion | €1.24 Trillion | ▲ +0.3 pp |
| 2014 | 7.1% | €89.71 Billion | €1.27 Trillion | €1.18 Trillion | ▼ 0.0 pp |
| 2013 | 7.1% | €79.52 Billion | €1.12 Trillion | €1.04 Trillion | ▲ +0.7 pp |
| 2012 | 6.4% | €81.19 Billion | €1.27 Trillion | €1.19 Trillion | ▼ -0.2 pp |
| 2011 | 6.6% | €82.86 Billion | €1.25 Trillion | €1.17 Trillion | ▼ 0.0 pp |
| 2010 | 6.6% | €80.91 Billion | €1.22 Trillion | €1.14 Trillion | ▼ 0.0 pp |
| 2009 | 6.7% | €73.87 Billion | €1.11 Trillion | €1.04 Trillion | ▲ +0.9 pp |
| 2008 | 5.7% | €60.00 Billion | €1.05 Trillion | €989.63 Billion | ▼ -0.6 pp |
| 2007 | 6.3% | €57.56 Billion | €912.91 Billion | €855.36 Billion | ▲ +0.7 pp |
| 2006 | 5.6% | €47.07 Billion | €833.87 Billion | €786.80 Billion | ▲ +0.8 pp |
| 2005 | 4.9% | €39.52 Billion | €808.49 Billion | €768.97 Billion | ▼ -0.6 pp |
| 2004 | 5.5% | €36.50 Billion | €664.49 Billion | €627.99 Billion | ▼ -24.7 pp |
| 2003 | 30.2% | €105.90 Billion | €351.18 Billion | €245.28 Billion | ▲ +21.8 pp |
| 2002 | 8.4% | €27.23 Billion | €324.50 Billion | €297.27 Billion | ▼ -61.3 pp |
| 2001 | 69.7% | €250.04 Billion | €358.76 Billion | €108.72 Billion | ▲ +2.1 pp |
| 2000 | 67.6% | €236.68 Billion | €349.90 Billion | €113.22 Billion | ▼ -19.8 pp |
| 1999 | 87.4% | €224.60 Billion | €256.83 Billion | €32.23 Billion | ▼ -3.1 pp |
| 1998 | 90.5% | €140.35 Billion | €154.99 Billion | €14.65 Billion | ▼ -1.5 pp |
| 1997 | 92.0% | €143.36 Billion | €155.77 Billion | €12.41 Billion | ▼ -0.1 pp |
| 1996 | 92.1% | €110.94 Billion | €120.48 Billion | €9.54 Billion | ▼ -1.1 pp |
| 1995 | 93.2% | €98.27 Billion | €105.48 Billion | €7.21 Billion | ▲ +0.3 pp |
| 1994 | 92.8% | €86.52 Billion | €93.18 Billion | €6.66 Billion | ▲ +87.4 pp |
| 1993 | 5.5% | €3.60 Billion | €65.51 Billion | €61.91 Billion | ▼ -0.2 pp |
| 1992 | 5.7% | €2.88 Billion | €50.82 Billion | €47.94 Billion | ▲ +0.1 pp |
| 1991 | 5.6% | €2.52 Billion | €45.07 Billion | €42.55 Billion | — |