H1'22 Financial Results and PagoNxt Highlights
Links, Appendix and Glossary
H1'22 Highlights
Branches
3,786
00
MA Employees
75,588
Total customers (mn)
65.8
Digital customers (mn)
25.3
Customer loans (€ bn)
148
Customer funds (€ bn)
182
Underlying attributable profit (€ mn)
1,946
هههه
ROTE¹
27.6%
Santander
SOUTH AMERICA
'We remain focused on expanding, sharing best practices
from each country and delivering profitable growth'
Strategic priorities ■■
Strengthen connectivity and share best practices across countries, capturing new
business opportunities
Focus on delivering profitable growth, increasing loyalty and customer attraction,
as well as controlling risks and costs
Make headway in the development of joint initiatives between SCIB and corporates
In payment methods, focus on e-commerce strategies and on the business of
instant domestic and international transfers
Continue to promote inclusive and sustainable businesses, such as micro-credit
programmes, and further developed ESG initiatives
(1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 20.8%.
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/south-America.
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