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Risk management - Disclosure of sensitivity analysis, by entity (Details) | Dec. 31, 2025
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Spain |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 2.10%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (1.90%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 3.40%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (1.80%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (3.70%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 4.70%
Mortgages | Spain |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 8.50%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (3.60%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 8.40%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (6.70%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (6.00%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 14.70%
Mortgages | Santander UK plc |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 11.60%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (2.90%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 7.30%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (3.50%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (12.30%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 23.70%
Mortgages | Santander Bank, National Association | US | Total North America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 13.60%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (10.60%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 26.90%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (12.90%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (41.60%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 53.90%
Change in provision assuming 100bp decrease in Manheim index (as a percent) | 0.00%
Change in provision assuming 100bp increase in Manheim index (as a percent) | 0.00%
Consumer loans | Banco Santander (Brasil) S.A. | Brazil | Total South America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 1.30%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (0.70%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (1.90%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 2.80%
Change in provision assuming 100bp decrease in interest rate (as a percent) | (0.60%)
Change in provision assuming 100bp increase in interest rate (as a percent) | 1.70%
SME | Banco Santander (Brasil) S.A. | Brazil | Total South America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 2.90%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (1.30%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (3.80%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 6.20%
Change in provision assuming 100bp decrease in interest rate (as a percent) | (1.60%)
Change in provision assuming 100bp increase in interest rate (as a percent) | 4.00%
Corporates | Spain |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 1.10%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (0.90%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 1.50%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (0.70%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (1.50%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 1.80%
Corporates | Santander UK plc |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 3.90%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (1.40%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 6.00%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (1.60%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (2.50%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 5.70%
Corporates | Santander Bank, National Association | US | Total North America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 10.90%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (7.70%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 18.70%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (9.30%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (25.90%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 39.50%
Change in provision assuming 100bp decrease in Manheim index (as a percent) | 0.00%
Change in provision assuming 100bp increase in Manheim index (as a percent) | 0.00%
Auto | Santander Bank, National Association | US | Total North America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 2.80%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (2.00%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 5.00%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (2.50%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (7.90%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 11.80%
Change in provision assuming 100bp decrease in Manheim index (as a percent) | 1.80%
Change in provision assuming 100bp increase in Manheim index (as a percent) | (1.40%)
Other | Banco Santander (Brasil) S.A. | Brazil | Total South America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 2.60%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (1.40%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (4.50%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 6.30%
Change in provision assuming 100bp decrease in interest rate (as a percent) | (0.90%)
Change in provision assuming 100bp increase in interest rate (as a percent) | 3.50%
SC Auto | Santander Consumer USA Holdings Inc. | US | Total North America |
Disclosure of credit risk exposure [line items] |
Change in provision assuming 100bp decrease in GDP growth rate (as a percent) | 1.70%
Change in provision assuming 100bp increase in GDP growth rate (as a percent) | (1.20%)
Change in provision assuming 100bp decrease in housing price change rate (as a percent) | 3.10%
Change in provision assuming 100bp increase in housing price change rate (as a percent) | (1.60%)
Change in provision assuming 100bp decrease in unemployment rate (as a percent) | (4.90%)
Change in provision assuming 100bp increase in unemployment rate (as a percent) | 7.00%
Change in provision assuming 100bp decrease in Manheim index (as a percent) | 1.00%
Change in provision assuming 100bp increase in Manheim index (as a percent) | (0.80%)

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