2023 Highlights Digital Consumer Bank Europe
2023 Highlights
Cards
Payments
'Provide exceptional payments experiences,
fostering customer loyalty and leveraging transactional
data to enhance profitability'
Strategic priorities
Turnover (€ bn)
306; +8% YoY
■
Expand cards business to increase our revenue
Total revenue (€ mn)
4,158; +10% YoY
Expand, develop and adopt common digital services to improve customer experience
# cards (mn)
ROTE
99
■ Become a best-in-class global card issuing tech platform
35%
Global Cards
Santander
Santander
Note: new global business definitions as published on 20 December 2023.
25
2023 and YoY changes in constant euros. Cards does not include Digital Consumer Bank or PagoNxt; not including payments business in the US, except for # of cards.
More information at https://www.santander.com/en/about-us/where-we-are/payments#globalcardsView entire presentation