H1'22 Financial Results and PagoNxt Highlights
Asset Quality
... at the Group and country level
NPL ratios by country
Cost of risk¹ by country
%
Q2 2021
Q1 2022
Q2 2022
%
Q2 2021
Q1 2022
Q2 2022
Spain
5.16
4.47
3.83
Spain
0.91
0.88
0.79
UK
1.30
1.42
1.17
UK
0.09
-0.08
-0.02
Portugal
3.71
3.42
3.33
Portugal
0.41
0.03
-0.05
Poland
4.58
3.50
3.45
Poland
0.88
0.65
0.95
US
2.00
2.75
2.64
USA
1.34
0.49
0.78
Mexico
3.10
3.09
2.95
Mexico
2.74
2.22
2.05
Brazil
4.55
5.68
6.34
Brazil
3.51
3.94
4.26
Chile
4.57
4.70
4.70
Chile
1.07
0.83
0.89
Argentina
3.34
3.21
2.48
Argentina
3.94
3.31
3.07
DCB
2.18
2.27
2.22
DCB
0.64
0.44
0.44
Group
3.22%
3.26%
3.05%
Group
0.94%
0.77%
0.83%
Santander (1) Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.
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