Santander signs three-year AI pact, and Banco Santander stock costs EUR 11.58

Published on 10/22/2026 at 11:16 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Santander cut AI costs from EUR 5.00 to EUR 0.03 per interaction. Banco Santander stock costs EUR 11.58 on October 22, 2026.

Growth and reporting schedule

Santander announced a three-year NVIDIA framework on October 19, 2026.
Experimental AI use cases cut interaction costs from EUR 5.00 to EUR 0.03.
Banco Santander stock traded at EUR 11.58 at 11:10 a.m. CEST at Lang & Schwarz on October 22, 2026.
Santander scheduled its 9M 2026 results presentation for October 28, 2026.

Flatlay mit Aktienzertifikat, ISIN-Kärtchen, Kreditkarte, Münzen und Lupe auf Holztisch — Banco Santander (ISIN ES0113900J37): Flatlay-Arrangement mit Aktienzertifikat, ISIN-Karte und Bankutensilien auf Holztisch, Illustration mit AI erstellt.

Banco Santander stock was trading at EUR 11.58 at Lang & Schwarz on October 22, 2026, at 11:10 a.m. CEST. The bank had announced a three-year collaboration framework with NVIDIA on October 19, covering artificial intelligence agents, fraud prevention and real-time decision-making, according to Banco Santander.

AI economics move beyond pilots

The partnership matters because Santander already has a measurable cost result from its Santander AI Lab. In an experimental customer-service use case, the bank said conversation quality improved while costs fell by more than 50 percent. A separate report described a reduction in execution costs from EUR 5.00 to EUR 0.03 per interaction, a difference of EUR 4.97, according to El Periodico.

What does the next result add?

Santander's latest investor page showed underlying profit of EUR 7.3 billion for the first half of 2026, underlying return on tangible equity of 15.6 percent and a cost-to-income ratio of 42.8 percent. The same page showed underlying earnings per share up 20 percent year over year, according to Banco Santander.

Analyst attention is also centered on the October earnings release. Yahoo Finance reported on October 22, 2026, that Barclays rated Santander Overweight and set a EUR 14.50 price target. That target is EUR 2.92 above the Lang & Schwarz price, but the currencies and venues are not mixed into a single performance calculation.

Results and dividend dates

Banco Santander scheduled its 9M 2026 financial results presentation for October 28, 2026. October 28 is also the last trading day for shares carrying the right to receive the interim cash dividend, while payment is scheduled for November 2, 2026, according to Banco Santander.

Stock price and investor calendar

The combination of a quantified AI cost result, a EUR 14.50 analyst target and a scheduled October 28 results presentation gives investors three distinct reference points for the next phase of the Santander story. The bank's first-half profitability figures make efficiency and earnings growth the key measures to compare with the upcoming nine-month report. The stock was trading at EUR 11.58 at Lang & Schwarz on October 22, 2026, at 11:10 a.m. CEST.

The further course of trading is shown by the continuously updated real-time quote of Banco Santander stock.