2023 Highlights Digital Consumer Bank Europe
2023 Highlights
Total income (€ mn)
12,296
Efficiency ratio
42.8%
ROTE
11.5%
Underlying attributable profit (€ mn)
1,901
Santander
Digital Consumer Bank
'Global leader in auto financing and digital consumer activities'
Strategic priorities
■ Expand our leadership in consumer lending across our footprint (e.g. #1 finance
company in Europe and LatAm, top 5 in the US and top 10 in China in auto finance) by
providing the best customer experience and enhancing our global relationships
■ Converge towards a more digital global operating model, building a world-class digital
offering in mobility, supporting our partners' transformation journeys
■ Continue to build flex-term solutions (leasing, subscription) based on common
platforms
Note: new global business definitions as published on 20 December 2023.
More information at https://www.santander.com/en/about-us/where-we-are/santander-digital-consumer-bank
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