H1'22 Financial Results and PagoNxt Highlights
Links, Appendix and Glossary
Glossary and Acronyms
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ADIS: Available distributable items
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bn: Billion
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bps: Basis points
CCOB: Capital Conservation Buffer
CCyB: Countercyclical buffer
CET1: Common equity tier 1
CIB: Corporate & Investment Banking
Covid-19: Corona Virus Disease 19
DCB: Digital Consumer Bank
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DGF: Deposit Guarantee Fund
DPS: Dividend per share
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EPS: Earning per share
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FL: Fully loaded
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G-SIBS: Global Systemically Important Banks
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HTC: Held to collect portfolio
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HTC&S: Held to collect & sell portfolio
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k: thousands
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LTV: Loan-to-value
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LLPs: Loan-loss provisions
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MDA: Maximum distributable amount
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M/LT: Medium- and long-term
Santander
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mn: Million
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MPE: Multiple Point of Entry
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MREL: Minimum Required Eligible Liabilities
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NII: Net interest income
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NPL: Non-performing loans
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PBT: Profit before tax
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P&L: Profit and loss
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PPP: Pre-Provision Profit
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QoQ: Quarter-on-Quarter
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RoRWA: Return on risk-weighted assets
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RWA: Risk-weighted assets
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ROTE: Return on tangible equity
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SCF: Santander Consumer Finance
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SMES: Small and Medium Enterprises
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SRB: Single Resolution Board
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SRF: Single Resolution Fund
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ST: Short term
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TLAC: Total Loss-Absorbing Capacity
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TNAV: Tangible net asset value
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YoY: Year-on-Year
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