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v3.26.1

Intangible assets - Goodwill - Schedule of goodwill assumptions (Details) | 12 Months Ended |  |
--- | --- | --- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Santander UK |  |  |
Cash-generating units information |  |  |
Projected period | 5 years |  |
Discount rate | 12.40% | 11.80% | 11.90%
Nominal perpetual growth rate | 2.50% | 2.50% | 2.50%
Santander Bank Polska S.A. |  |  |
Cash-generating units information |  |  |
Discount rate |  | 12.90% | 13.20%
Nominal perpetual growth rate |  | 5.00% | 5.00%
Santander US Auto |  |  |
Cash-generating units information |  |  |
Projected period | 3 years |  |
Discount rate | 11.50% | 12.20% | 12.80%
Nominal perpetual growth rate | 3.00% | 3.00% | 3.00%
Santander Holding USA (ex. Auto) |  |  |
Cash-generating units information |  |  |
Projected period | 5 years |  |
Discount rate | 13.60% | 13.40% | 13.40%
Nominal perpetual growth rate | 3.50% | 3.50% | 3.50%
Santander Consumer Germany |  |  |
Cash-generating units information |  |  |
Projected period | 5 years |  |
Discount rate | 9.50% | 9.10% | 9.70%
Nominal perpetual growth rate | 2.50% | 2.00% | 2.30%
SAM Investment Holdings Limited |  |  |
Cash-generating units information |  |  |
Projected period | 5 years |  |
Discount rate | 11.50% | 11.60% | 11.60%
Nominal perpetual growth rate | 2.50% | 2.50% | 2.50%
Santander Portugal |  |  |
Cash-generating units information |  |  |
Projected period | 5 years |  |
Discount rate | 10.60% | 10.20% | 11.20%
Nominal perpetual growth rate | 2.50% | 2.50% | 2.50%

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