Financial and Liquidity Management Strategy slide image

Financial and Liquidity Management Strategy

Strategy and business Santander Totta is the largest privately owned bank in Portugal by assets and loans KEY DATA* 9M'20 YOY STRATEGIC PRIORITIES Var. Customer loans¹ EUR 42.5 bn +5.4% Customer Deposits² EUR 36.3 bn +3.9% Underlying att. profit EUR 254.5 mn -34.8% Underlying RoTE 8.5% -370 bps Efficiency ratio 44.6% +10 bps Loans market share³ 3 17.9% +25 bps Deposits market share³ 15.4% -32 bps Loyal customers 800 k +3.3% Digital customers 903 k +16.8% 4 Branches 491 -8.9% Employees 6,077 -3.1% (1) Excluding reverse repos. Santander (2) Excluding repos. (3) As at Jun-20 (4) Branches in Portugal Deepen the digital and commercial transformation of the Bank to make it simpler, agile and closer to customers Maintain an appropriate risk policy, with enhanced follow-up procedures, to keep the cost of credit under control Continue focused on gaining profitable market share, improving our position as leading private sector bank and leveraging our position in the corporate sector, especially in SMEs Improve efficiency, leveraging on the digital capability to better serve customers Keep a solid capital and liquidity position, in the current challenging environment 6
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