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Risk management - Schedule of evolution projection based on main macroeconomic indicators, by entity (Details) | 12 Months Ended
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Dec. 31, 2025
Santander UK plc |
Disclosure of credit risk exposure [line items] |
Evolution projection period | 5 years
Santander UK plc | Pessimistic scenario 2 |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.40%
Unemployment rate | 7.30%
Housing price change | (2.90%)
GDP growth | (0.02%)
Santander UK plc | Pessimistic scenario 1 |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.50%
Unemployment rate | 5.80%
Housing price change | (0.20%)
GDP growth | 0.20%
Santander UK plc | Base scenario |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.30%
Unemployment rate | 4.50%
Housing price change | 2.90%
GDP growth | 1.40%
Santander UK plc | Optimistic scenario |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.00%
Unemployment rate | 4.20%
Housing price change | 4.40%
GDP growth | 2.40%
Spain |
Disclosure of credit risk exposure [line items] |
Evolution projection period | 5 years
Spain | Pessimistic scenario |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.70%
Unemployment rate | 12.10%
Housing price change | 3.30%
GDP growth | 0.20%
Spain | Base scenario |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.50%
Unemployment rate | 9.70%
Housing price change | 4.10%
GDP growth | 1.60%
Spain | Optimistic scenario |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.30%
Unemployment rate | 8.20%
Housing price change | 4.70%
GDP growth | 2.40%
US | Santander Bank, National Association | Total North America |
Disclosure of credit risk exposure [line items] |
Evolution projection period | 5 years
US | Santander Bank, National Association | Pessimistic scenario 2 | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 1.80%
Unemployment rate | 6.40%
Housing price change | 0.20%
GDP growth | 1.70%
Manheim growth | (0.60%)
US | Santander Bank, National Association | Pessimistic scenario 1 | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.60%
Unemployment rate | 5.00%
Housing price change | 0.70%
GDP growth | 1.90%
Manheim growth | (0.10%)
US | Santander Bank, National Association | Base scenario | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.20%
Unemployment rate | 4.20%
Housing price change | 1.30%
GDP growth | 2.00%
Manheim growth | 0.30%
US | Santander Bank, National Association | Optimistic scenario | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.00%
Unemployment rate | 3.70%
Housing price change | 2.10%
GDP growth | 2.70%
Manheim growth | 0.10%
US | Santander Consumer USA Holdings Inc. | Total North America |
Disclosure of credit risk exposure [line items] |
Evolution projection period | 5 years
US | Santander Consumer USA Holdings Inc. | Pessimistic scenario 2 | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 1.80%
Unemployment rate | 6.40%
Housing price change | 0.20%
GDP growth | 1.70%
Manheim index | (0.60%)
US | Santander Consumer USA Holdings Inc. | Pessimistic scenario 1 | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 2.60%
Unemployment rate | 5.00%
Housing price change | 0.70%
GDP growth | 1.90%
Manheim index | (0.10%)
US | Santander Consumer USA Holdings Inc. | Base scenario | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.20%
Unemployment rate | 4.20%
Housing price change | 1.30%
GDP growth | 2.00%
Manheim index | 0.30%
US | Santander Consumer USA Holdings Inc. | Optimistic scenario | Total North America |
Disclosure of credit risk exposure [line items] |
Interest rate | 3.00%
Unemployment rate | 3.70%
Housing price change | 2.10%
GDP growth | 2.70%
Manheim index | 0.10%
Brazil | Total South America |
Disclosure of credit risk exposure [line items] |
Evolution projection period | 5 years
Brazil | Banco Santander (Brasil) S.A. | Pessimistic scenario | Total South America |
Disclosure of credit risk exposure [line items] |
Interest rate | 11.50%
Unemployment rate | 8.00%
Housing price change | 1.10%
GDP growth | (0.20%)
Burden income | 27.00%
Brazil | Banco Santander (Brasil) S.A. | Base scenario | Total South America |
Disclosure of credit risk exposure [line items] |
Interest rate | 10.90%
Unemployment rate | 6.50%
Housing price change | 5.90%
GDP growth | 1.90%
Burden income | 26.80%
Brazil | Banco Santander (Brasil) S.A. | Optimistic scenario | Total South America |
Disclosure of credit risk exposure [line items] |
Interest rate | 10.30%
Unemployment rate | 5.40%
Housing price change | 10.30%
GDP growth | 3.80%
Burden income | 26.10%

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