H1'22 Financial Results and PagoNxt Highlights
Links, Appendix and Glossary
H1'22 Highlights
Branches
1,859
00
MA
Employees
43,779
2
Total customers (mn)
25.3
2
Digital customers (mn)
7.0
Customer loans (€ bn)
152
Customer funds (€ bn)
151
Underlying attributable profit (€ mn)
1,578
هههه
ROTE¹
23.3%
Santander
NORTH AMERICA
'We provide a full range of financial services with particular
focus on Retail, Private and Corporate Banking'
■
Strategic priorities ■■
Strengthen One Santander in North America by unifying a common and regional
approach to forge future growth within the region
Boost customer attraction and retention, while broadening our tailored products
and services proposition for a more straightforward customer experience
Leverage our regional capabilities and sharing best practices to optimize expenses
and improve profitability
Focus on expanding and implementing sustainable finance opportunities within
our businesses
(1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 12.2%.
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/north-America.
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