Banco Santander S.A. (SAN) - Total Liabilities
Based on the latest financial reports, Banco Santander S.A. (SAN) has total liabilities worth €1.84 Trillion EUR (≈ $2.15 Trillion USD) as of June 2026. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore SAN long-term investments to assets to see how much of total assets are deployed in long-term investments.
Banco Santander S.A. - Total Liabilities Trend (1991–2025)
This chart illustrates how Banco Santander S.A.'s total liabilities have evolved over time, based on quarterly financial data. For the complete balance sheet picture, see SAN current and non-current assets.
Banco Santander S.A. Competitors by Total Liabilities
The table below lists competitors of Banco Santander S.A. ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Mitsubishi UFJ Financial Group Inc ADR
NYSE:MUFG
|
USA | $407.03 Trillion |
|
T-Mobile US Inc
NASDAQ:TMUS
|
USA | $158.80 Billion |
|
SHELL PLC WI ADR/2
F:L3H
|
Germany | €198.73 Billion |
|
Qualcomm Incorporated
NASDAQ:QCOM
|
USA | $29.71 Billion |
|
Toyota Motor Corporation
F:TOM
|
Germany | €62.35 Trillion |
|
PepsiCo Inc
NASDAQ:PEP
|
USA | $89.92 Billion |
|
IND.D.D.TEXT.UNSP.ADR 1/2
F:IXD2
|
Germany | €18.04 Billion |
|
Gilead Sciences Inc
NASDAQ:GILD
|
USA | $36.41 Billion |
Liability Composition Analysis (1991–2025)
This chart breaks down Banco Santander S.A.'s total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. See debt-free asset ratio of Banco Santander S.A. to measure how much of total assets are equity-financed.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 0.11 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 16.81 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.94 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how Banco Santander S.A.'s debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for Banco Santander S.A. (1991–2025)
The table below shows the annual total liabilities of Banco Santander S.A. from 1991 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | €1.75 Trillion ≈ $2.05 Trillion |
+1.45% |
| 2024-12-31 | €1.73 Trillion ≈ $2.02 Trillion |
+2.18% |
| 2023-12-31 | €1.69 Trillion ≈ $1.98 Trillion |
+3.41% |
| 2022-12-31 | €1.64 Trillion ≈ $1.91 Trillion |
+9.23% |
| 2021-12-31 | €1.50 Trillion ≈ $1.75 Trillion |
+5.78% |
| 2020-12-31 | €1.42 Trillion ≈ $1.66 Trillion |
+0.35% |
| 2019-12-31 | €1.41 Trillion ≈ $1.65 Trillion |
+4.45% |
| 2018-12-31 | €1.35 Trillion ≈ $1.58 Trillion |
+1.08% |
| 2017-12-31 | €1.34 Trillion ≈ $1.56 Trillion |
+8.17% |
| 2016-12-31 | €1.24 Trillion ≈ $1.45 Trillion |
-0.41% |
| 2015-12-31 | €1.24 Trillion ≈ $1.45 Trillion |
+5.52% |
| 2014-12-31 | €1.18 Trillion ≈ $1.38 Trillion |
+13.56% |
| 2013-12-31 | €1.04 Trillion ≈ $1.21 Trillion |
-12.82% |
| 2012-12-31 | €1.19 Trillion ≈ $1.39 Trillion |
+1.69% |
| 2011-12-31 | €1.17 Trillion ≈ $1.37 Trillion |
+2.82% |
| 2010-12-31 | €1.14 Trillion ≈ $1.33 Trillion |
+9.64% |
| 2009-12-31 | €1.04 Trillion ≈ $1.21 Trillion |
+4.75% |
| 2008-12-31 | €989.63 Billion ≈ $1.16 Trillion |
+15.70% |
| 2007-12-31 | €855.36 Billion ≈ $1.00 Trillion |
+8.71% |
| 2006-12-31 | €786.80 Billion ≈ $919.85 Billion |
+2.32% |
| 2005-12-31 | €768.97 Billion ≈ $899.01 Billion |
+22.45% |
| 2004-12-31 | €627.99 Billion ≈ $734.18 Billion |
+156.03% |
| 2003-12-31 | €245.28 Billion ≈ $286.76 Billion |
-17.49% |
| 2002-12-31 | €297.27 Billion ≈ $347.54 Billion |
+173.42% |
| 2001-12-31 | €108.72 Billion ≈ $127.11 Billion |
-3.97% |
| 2000-12-31 | €113.22 Billion ≈ $132.37 Billion |
+251.25% |
| 1999-12-31 | €32.23 Billion ≈ $37.68 Billion |
+120.05% |
| 1998-12-31 | €14.65 Billion ≈ $17.13 Billion |
+17.99% |
| 1997-12-31 | €12.41 Billion ≈ $14.51 Billion |
+30.11% |
| 1996-12-31 | €9.54 Billion ≈ $11.16 Billion |
+32.37% |
| 1995-12-31 | €7.21 Billion ≈ $8.43 Billion |
+8.15% |
| 1994-12-31 | €6.66 Billion ≈ $7.79 Billion |
-89.24% |
| 1993-12-31 | €61.91 Billion ≈ $72.38 Billion |
+29.16% |
| 1992-12-31 | €47.94 Billion ≈ $56.04 Billion |
+12.65% |
| 1991-12-31 | €42.55 Billion ≈ $49.75 Billion |
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About 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