Banco Santander Balance Sheet Health
Financial Health criteria checks 4/6
Banco Santander has total assets of €1,797.1B and total equity of €104.2B. Total deposits are €1,160.3B, and total loans are €1,051.6B 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 €452.6B.
Key information
17.2x
Asset to equity ratio
2.8%
Net interest margin
Total deposits | €1.16t |
Loan to deposit ratio | Appropriate |
Bad loans | 3.3% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | €452.63b |
Recent financial health updates
No updates
Recent updates
Banco Santander Remains Materially Undervalued
Feb 17Santander Remains A Strong Play Of Southern-European/European Banking
Jan 16Banco Santander: Another Steady Quarter; Shares Still Attractive
Oct 26Santander: Latent Earnings Growth In The IB Business
Aug 19Banco Santander: Poised To Outperform - Here Is Why
Aug 07Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SAN's Assets to Equity ratio (17.2x) is moderate.
Allowance for Bad Loans: SAN has a low allowance for bad loans (64%).
Low Risk Liabilities: 69% of SAN's liabilities are made up of primarily low risk sources of funding.
Loan Level: SAN has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: SAN's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: SAN has a high level of bad loans (3.3%).