H1'23 Highlights
→ Europe
'We continue to accelerate our business transformation
to achieve higher growth and a more efficient operating model'
H1'23 Highlights
Branches
3,103
☐
00
MA Employees
66,819
Total customers (mn)
45.9
Digital customers (mn)
18.0
Customer loans (€ bn)
564
Customer funds (€ bn)
703
Underlying attributable profit (€ mn)
2,536
Strategic priorities
Customer centric: grow our active customer base through better customer
service and experience
■ Simplification and automation: enhance efficiency through a common
operating model in the region
Network contribution: grow our global business revenue by increasing
connectivity across the region
Customer activity: improve loyalty through a value proposition for individuals
and SMEs
ROTE
13.5%
■
Disciplined capital allocation: improve pricing discipline and risk management
Santander More information at https://www.santander.com/en/about-us/where-we-are/europe
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