Data source: 2026-Q2 figures ingested from the bank’s SEC Form 6-K filing. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).
Santander
SANCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
Latest quarter
Total Loan Book
+13.7% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2026-Q2
Concentration data unavailable
Leveraged loans not reported in FDIC call reports
Metric History
11 quarters · SEC Form 6-K · EBA Transparency Exercise · approximate estimates
8 of 11 quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026-Q2latest | 14.00% | — | — | — | +13.7% | — | — | — | — | 73 |
| 2026-Q1 | 14.40% | — | — | — | — | — | — | — | — | 29 |
| 2025-Q2 | 12.98% | — | $625.8B | — | — | — | — | — | — | 30 |
| 2024-Q4approx | 12.60% | 5.10% | $746.0B | $1.10T | +2.2% | +0.70% | 14.0% | 33.0% | 22.0% | 37 |
| 2024-Q3approx | 12.50% | 5.10% | $741.0B | $1.09T | +2.4% | +0.70% | 14.0% | 33.0% | 22.0% | 33 |
| 2024-Q2approx | 12.40% | 5.00% | $736.0B | $1.09T | +2.6% | +0.70% | 14.0% | 33.0% | 22.0% | 33 |
| 2024-Q1approx | 12.30% | 5.00% | $731.0B | $1.08T | +1.9% | +0.70% | 14.0% | 32.0% | 22.0% | 33 |
| 2023-Q4approx | 12.40% | 5.00% | $726.0B | $1.07T | +8.1% | +0.70% | 14.0% | 32.0% | 22.0% | 35 |
| 2023-Q3approx | 12.30% | 5.00% | $721.0B | $1.07T | +8.3% | +0.70% | 14.0% | 32.0% | 22.0% | 35 |
| 2023-Q2approx | 12.20% | 5.00% | $716.0B | $1.06T | +8.4% | +0.70% | 14.0% | 32.0% | 22.0% | 30 |
| 2023-Q1approx | 12.30% | 5.10% | $711.0B | $1.05T | +8.2% | +0.70% | 14.0% | 32.0% | 22.0% | 30 |
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Score Breakdown
Repeat issuer · scored on re-issuance timing
Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.
Fundamentals — context only
Globally systemically important bank — one of the designated GSIBs. Asset size data unavailable
Sentiment +14/20 · global +6 pts