2023 Highlights Digital Consumer Bank Europe
2023 Highlights
DCBE
Digital Consumer Bank Europe
'Europe's consumer finance leader: solid business model,
geographic diversification and leading market shares in
auto/mobility finance and in personal finance/e-commerce'
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Strategic priorities ■■
■ Secure leadership positions in global digital consumer lending, both auto and non-auto
(consumer)
■ Continue with the transformation of our operating model in Europe, to defend our best-
in-class efficiency through i) single IT platforms, ii) a simpler operational structure, and
iii) automation and processes redesign
■ Grow by progressing in transformational projects in Europe, with new OEM partnerships
and leasing platform in auto
■ Reduce sensitivity to interest rate rises by increasing deposit acquisition with focus on
profitability
Branches
342
00
MЛ Employees
16,795
Total customers (mn)
20.2
Points of sale (k)
>130
Customer loans (€ bn)
135
Customer funds (€ bn)
Underlying attributable profit (€ mn)
1,199
ROTE
12.3%
Santander
More information at https://www.santander.com/en/about-us/where-we-are/digital-consumer-bank-europe
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