Name: Net Profit Margin

Definition: Net profit margin shows how much profit remains after paying all costs — including operating expenses, interest, and taxes — for every dollar of sales. A higher margin means the business is efficient and keeps more of its sales as bottom-line profit. Falling margins may signal rising costs or pricing pressure.

Interpretation:
• In '2021', SAN's net profit margin was 16.8%, measuring the overall profitability of the company. Industry average for Commercial Banks in '2021' stood at 27.7%.
• In '2022', SAN's net profit margin was 17.7%, measuring the overall profitability of the company. The increase since '2021' reflects strengthening financial performance. Industry average for Commercial Banks in '2022' stood at 26.2%. Industry average declined by 1.5% from previous year.
• In '2023', SAN's net profit margin was 18.5%, measuring the overall profitability of the company. The increase since '2022' reflects strengthening financial performance. Industry average for Commercial Banks in '2023' stood at 25.0%. Industry average declined by 1.2% from previous year.
• In '2024', SAN's net profit margin was 19.7%, measuring the overall profitability of the company. The increase since '2023' reflects strengthening financial performance. Industry average for Commercial Banks in '2024' stood at 23.5%. Industry average declined by 1.5% from previous year.
Overall, SAN's net profit margin has steadily improved over the past 4 years.

Formula: Net Profit Margin = Net Income / Revenue

Good Range: Ranges 5%-20% for many industries.