Santander Financial Performance Update
SC AUTO LOSS & RECOVERY RATIOS (ANNUALIZED)
Gross Charge-off Ratio (%)
25.0%
20.0%
15.0%
10.0%
5.0%
Recovery Rates (% of Gross Loss)
125.0%
100.0%
75.0%
50.0%
25.0%
0.0%
0.0%
Jan Feb Mar Apr May Jun
2019 22.3 19.1 17.0 16.1 16.1
2020 17.2 15.6 13.7 12.9 12.6
2021 10.3 9.4 9.4
Jul Aug Sep Oct Nov Dec
15.8 17.9 18.4 18.5 18.3 17.1 16.1
8.1 6.7 5.5 7.9 9.5 9.5 10.7
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2019 49.0 54.6 66.1 62.5 62.4 56.0 55.2 59.2 53.2 52.9 57.5 46.2
2020 46.0 53.0 52.1 32.1 49.1 62.1 81.7 126.1 76.4 78.2 60.5 54.8
2021 58.9 63.1 86.8
34
=4
Net Charge-off Ratio (%)
15.0%
12.0%
9.0%
6.0%
3.0%
0.0%
-3.0%
Jan Feb Mar
2019 11.3 8.7 5.8
2020 9.3 7.3 6.6
2021
4.2 3.5 1.2
Apr May Jun
6.1 6.1 7.0
8.7 6.4 3.1
Jul Aug Sep
8.0 7.5 8.6
1.2 -1.4 1.9
Oct Nov Dec
8.6 7.3 8.7
2.1 3.7 4.8
2019 2020
-2021
SantanderView entire presentation