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
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