H1'22 Financial Results and PagoNxt Highlights
Links, Appendix and Glossary
H1'22 Highlights
Branches
370
☐
00
M Employees
15,894
Active customers (mn)
19.4
Points of sale (k)
>130
☐
Customer loans (€ bn)
119
Customer funds (€ bn)
Underlying attributable profit (€ mn)
A ROTE¹
60
■
572
■
12.8%
Santander
Digital Consumer Bank
'Europe's consumer finance leader: solid business model,
geographic diversification and leading market shares in
auto/mobility finance and in personal finance/e-commerce'
Strategic priorities ■■
To become the largest digital consumer bank leveraging SCF's footprint, profiting from
Openbank's technology and reinforcing our leadership with strategic alliances
Auto: strengthen auto financing leadership by reinforcing mobility solutions with focus
on leasing and subscription
Consumer (non-auto): gain market share in consumer lending, with focus on
e-commerce checkout lending and buy now, pay later (BNPL)
Simplification for efficiency: maintain high speed digitalization in order to transform
the business and improve efficiency
ESG: enhance green finance propositions (fully-electric vehicles, electric chargers, solar
panels, etc.) in both auto and consumer loans
(1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 12.0%.
Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds
More information at https://www.santander.com/en/about-us/where-we-are/digital-consumer-bank
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