Best bank: Santander
Santander Portugal delivered a standout result in 2025. Performance in the review period shows how the lender fused scale, technology and a social mandate to reshape Portuguese finance.
The bank posted a net profit of €963.8 million and a return on tangible equity of 31.8% – results that made it the most profitable bank in the Portuguese market and the top performer within the wider Santander Group. The bank’s efficiency ratio stood at 28%, well ahead of the sector average, while its non-performing loan ratio remained low at 1.5%,
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