Investor Presentaiton
In summary
More resilience and lower volatility of results
Differential Pre-provision profit / loans and Cost of credit
EPS volatility calculated using quarterly data from Jan-99 to Q2'222
0.62%
1.25%
illl
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 9M'22
1.90% 1.89% 1.80%
1.80% 1.77%
1.61% 1.65% 1.65%
1.21%
||
12%
39%
40%
42%
83%
95%
Pre-provision profit/loans
115%
3.25% 3.06% 2.94% 3.04% 2.90% 2.83% 2.97% 2.89% 2.80% 2.49% 2.57% 2.63%
+
+
120%
139%
Cost of credit¹
2.44%
1.65%
1.69%
1.43% 1.25% 1.18% 1.07% 1.00% 1.00% 1.28%
0.77% 0.86%
320%
647%
Our strong model is
reflected in the
resilience of our
business. It is a
competitive strength
that continues to
differentiate us
1.60%
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. Considering annualized 9M'22 provisions,
cost of credit would be 0.95%.
(2) Source: Bloomberg, with GAAP criteria. Standard deviation of the quarterly EPS starting from the first available data since Jan-99.
13
اسد
***View entire presentation