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v3.26.1

Other general administrative expenses (Tables) | 12 Months Ended
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Dec. 31, 2025
Selling, general and administrative expense [abstract] |
Schedule of detail of other general administrative expenses | The detail of Other general administrative expenses is as follows:
EUR million
| 2025 | 2024 | 2023
Technology and systems | 2,298 |  | 2,539 |  | 2,389 |
Property, fixtures and supplies (note 2.k) | 803 |  | 797 |  | 774 |
Technical reports | 712 |  | 724 |  | 796 |
Advertising | 517 |  | 512 |  | 574 |
Taxes other than income tax | 543 |  | 554 |  | 568 |
Communications | 367 |  | 387 |  | 400 |
Surveillance and cash courier services | 314 |  | 337 |  | 325 |
Per diems and travel expenses | 250 |  | 232 |  | 213 |
Insurance premiums | 86 |  | 95 |  | 88 |
Other administrative expenses | 2,055 |  | 2,008 |  | 2,172 |
| 7,945 |  | 8,185 |  | 8,299 |
Schedule of technical reports includes the fees paid by various Group companies | Technical reports include the fees from the various Group companies (detailed in the accompanying appendices) for the services provided by their respective auditors, with the following detail:
EUR million
| 2025 | 2024 | 2023
Audit | 118.5 |  | 122.3 |  | 117.5 |
Audit-related services | 15.0 |  | 13.6 |  | 8.6 |
Tax services | 0.1 |  | 0.9 |  | 1.6 |
All other | 7.1 |  | 7.4 |  | 5.9 |
Total | 140.7 |  | 144.2 |  | 133.6 |
Schedule of number of offices | The number of offices according to their geographical location at 31 December 2025, 2024 and 2023 is as follows:
Number of branches |
| Group
2025 | 2024 | 2023
Spain A | 1,674 |  | 1,877 |  | 1,924 |
Group | 5,450 |  | 6,209 |  | 6,594 |
| 7,124 |  | 8,086 |  | 8,518 |
A. Includes branches in Spain of the Digital Consumer Bank business. Note: Branches corresponding to the Group's business held for sale in Poland are included. Note: The figures for 2025 and 2024 include CartaSur points of sale and banking service points (PAB) in Argentina and exclude operational points that do not provide customer service in Colombia.

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