H1'22 Financial Results and PagoNxt Highlights
ks, Appendix and Glossary
EUROPE
'Accelerating our business transformation in One Europe to achieve
superior growth with a more efficient operating model'
H1'22 Highlights
Strategic priorities
Branches
3,178
00
MA Employees
63,579
Total customers (mn)
46.4
Grow our business by better serving our customers through regional
simplification and an improved value proposition
2 Digital customers (mn)
16.8
Customer loans (€ bn)
589
Redefine customer interaction, enhancing our digital capabilities to offer
comprehensive experiences (such as OneApp)
Customer funds (€ bn)
705
Underlying attributable profit (€ mn)
ROTE¹
1,839
Create a common operating model that embeds technology into our business,
leveraging our scale in the region
12.1%
Santander
(1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 8.8%.
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/europe.
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