Banco Santander S.A. Net Asset Quality Index
Banco Santander S.A. net asset quality index. Banco Santander S.A. (SAN) has a Net Asset Quality Index of 5.9% as of June 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of €1.95 Trillion minus total liabilities of €1.84 Trillion yields net assets of €115.90 Billion. A higher index indicates a stronger, lower-leverage balance sheet. See SAN book value for net asset value and shareholders' equity analysis.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of Banco Santander S.A. (1991–2025)
Net asset quality index of Banco Santander S.A. from 1991 to 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 June 2026, the index stands at 5.9%, representing net assets of €115.90 Billion against total assets of €1.95 Trillion EUR. Check SAN strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Banco Santander S.A. Net Asset Quality Index by Year (1991–2025)
Banco Santander S.A. net asset quality index by year from 1991 to 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 live market cap and overall valuation, see SAN stock market capitalisation.
| 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 | — |