Banco Santander Balance Sheet Health
Financial Health criteria checks 4/6
Banco Santander has total assets of €1,786.3B and total equity of €103.6B. Total deposits are €1,134.6B, and total loans are €1,051.4B earning a Net Interest Margin of 2.8%. It has insufficient allowance for bad loans, which are currently at 3.3% of total loans. Cash and short-term investments are €434.1B.
Key information
17.2x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | €1.13t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | €434.05b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1SANX's Assets to Equity ratio (17.2x) is moderate.
Allowance for Bad Loans: 1SANX has a low allowance for bad loans (64%).
Low Risk Liabilities: 67% of 1SANX's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1SANX has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: 1SANX's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: 1SANX has a high level of bad loans (3.3%).