H1'22 Financial Results and PagoNxt Highlights
Liquidity and Funding
Conservative and decentralized liquidity and funding model
€23bn¹ issued in public markets in H1'22
Very manageable maturity profile
€ bn, Jun-22, Average exchange rates
€ bn, Jun-22
18.1
12.4
2.3
Covered
Bonds
7.7
6.9
2.9
3.5
3.9
282
3392
8:3
1.2
5.2
5.0
0.4
1.3
7.6
1.5
4.8
2.2
0.0
0.1
Covered bonds
Senior
Senior non-
preferred
Preference
shares
Sub debt
▸ Other includes issuances in Brazil, Mexico, Portugal and
Poland.
Spain²
UK
DCB
7.4
Senior
4.9
Senior Non-
Preferred
0.5
18.0
12.6
4.5
9.5
8.2
6.9
4.5
Other
0.1
0.7
Chile
USA
Santander (1) Data includes public issuances from all units with period-average exchange rates. Excludes securitizations.
(2) Includes Banco Santander, S.A. and Santander International Products PLC.
Note: preference shares also includes other AT1 instruments.
3.8
2.6
12.9
23.2
19.3
2022
2023
2024
2025
2026
>2026
Other
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