XML 258 R176.htm IDEA: XBRL DOCUMENT
v3.26.1

Loans and advances to customers - Narrative (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Loans And Advances To Customers Table [Line Items] |  |  |
Maximum exposure to credit risk | € 888,496 | € 908,963 | € 914,491
Loans and receivables |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Impairment losses charged to income for the year | 12,535 | 12,136 | 12,298
Reversal of impairment loss recognised in profit or loss | 1,791 | 1,600 | 1,587
Securitized loans and loans and advances to customers |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Recognised assets representing continuing involvement in fully derecognised loans | 12,174 | 14,919 | 13,923
Financial instruments credit-impaired | Loans and receivables |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Written-off assets | 51,435 | 49,939 | 48,138
Financial instruments purchased credit impaired |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Maximum exposure to credit risk | 334 | 559 | 743
Financial instruments purchased credit impaired | Customers |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Maximum exposure to credit risk | 307 | 515 | 694
Financial instruments purchased credit impaired | Customers | Business combinations carried out |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Maximum exposure to credit risk | 46 |  |
Without considering the Public Administration |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | 1,024,071 | 1,046,039 | 1,032,063
Without considering the Public Administration | Financial instruments not credit-impaired |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | 954,533 | 1,012,389 | 998,010
Spain |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Maximum exposure to credit risk | € 201,013 | 198,936 | 205,994
A | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 25.60% |  |
AAA | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 3.60% |  |
AA | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 26.40% |  |
BBB | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 27.50% |  |
Below BBB | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 16.40% |  |
No Rating | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Credit exposure percentage | 0.50% |  |
Gross carrying amount | Financial instruments credit-impaired |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | € 31,577 |  |
Gross carrying amount | Rest of the world | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | 16,248 | 13,593 | 11,530
Gross carrying amount | A | Spain | Public sector |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | 18,127 | 16,562 | 15,544
Accumulated impairment | Debt securities |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Impairment losses charged to income for the year | 182 | 226 | 24
Reversal of impairment loss recognised in profit or loss | 56 | € 8 | € 12
Accumulated impairment | Financial instruments credit-impaired |  |  |
Loans And Advances To Customers Table [Line Items] |  |  |
Loans and advances to customers | € (13,527) |  |

X
- Definition The contractual amount outstanding on financial assets that were written off during the reporting period and are still subject to enforcement activity. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35L -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35L&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_FinancialAssetsWrittenOffDuringReportingPeriodAndStillSubjectToEnforcementActivityContractualAmountOutstanding
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 133 -Subparagraph a -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_133_a_iv&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2027-01-01 -Name IAS -Number 1 -IssueDate 2025-01-01 -Paragraph 99 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_99&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The amount of loans and advances the entity has made to customers. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Note Expiry date 2027-01-01 -Name IAS -Number 1 -IssueDate 2025-01-01 -Paragraph 55 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_55&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_LoansAndAdvancesToCustomers
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35K -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35K_a&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_MaximumExposureToCreditRisk
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | na
Period Type: | instant

X
- Definition The amount of assets recognised in the statement of financial position representing the entity's continuing involvement in derecognised financial assets. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 42E -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_42E_a&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_RecognisedAssetsRepresentingContinuingInvolvementInDerecognisedFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2025-01-01 -Paragraph 126 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2025-en-r&anchor=para_126_b&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2025-01-01 -Paragraph 129 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2025-en-r&anchor=para_129_b&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 250 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_250_b&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 250 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_250_b&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_ReversalOfImpairmentLossRecognisedInProfitOrLoss
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition The percentage of amount to total that is in exposure to loss resulting from credit risk. + References No definition available. + Details
Name: | san_CreditExposurePercentage
Namespace Prefix: | san_
Data Type: | dtr-types1:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition Loans And Advances To Customers Table [Line Items] + References No definition available. + Details
Name: | san_LoansAndAdvancesToCustomersTableLineItems
Namespace Prefix: | san_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=ifrs-full_LoansAndReceivablesCategoryMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=san_SecuritizedLoansLoansAndAdvancesToCustomersMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=san_LoansAndAdvancesCustomersMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_BusinessCombinationsAxis=san_BusinessCombinationsCarriedOutMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_TypesOfCustomersAxis=san_LoansAndReceivablesWithoutConsideringPublicAdministrationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_GeographicalAreasAxis=ifrs-full_CountryOfDomicileMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsARatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_GeographicalAreasAxis=san_RestOfWorldMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_TypesOfCustomersAxis=san_PublicSectorMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAAARatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsAARatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBBBRatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_IFRSStandardPoorsBelowBBBRatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ExternalCreditGradesAxis=san_NoRatingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialAssetsAxis=ifrs-full_DebtSecuritiesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |