H1'22 Financial Results and PagoNxt Highlights
Santander Business Model & Strategy
Our business model drives predictable and profitable growth
01. Scale
Local scale and leadership.
Our business model is based on three pillars
Worldwide reach through our global
businesses and PagoNxt
Digital
Consumer Bank;
02. Customer focus
Unique personal banking relationships
strengthen customer loyalty
Customer satisfaction in NPS1
03. Diversification²
Our geographic and business
diversification makes us more resilient
under adverse circumstances
10%
Loans
#1
European
Consumer
8%
Bank
Deposits
12%
Loans
4%
Auto lending
2%
18%
Deposits
Loans
14%
14%
18%
Deposits
Loans
Loans
12%
Deposits
19%
Deposits
10%
Loans
11%
18%
Loans
Deposits
18%
Deposits
11%
Loans
11%
Deposits
11%
Deposits
#1
Top 3
Top 4
☑
1,839
Europe
31%
+38%
North
1,578
26%
America
-10%
South
1,946
33%
America
+7%
Digital Digital
Consumer Consumer
Bank
Bank
572
10%
+16%
14
(1) Internal benchmark of individual customers' satisfaction audited by Stiga / Deloitte in H1'22.
Santander (2) H1'22 underlying attributable profit by region, YoY growth in constant euros and % operating areas ex. Corporate Centre.
Market share data: as at Mar-22 and Argentina, Brazil, Portugal, USA and DCB latest available. Spain includes Santander España (public criteria) + Hub Madrid + SCF España + Openbank and
Other Resident sectors in deposits. The UK includes London Branch. Poland: including SCF business in Poland. The US: retail auto loans includes Santander Consumer USA and Chrysler Capital
combined. Deposits considering all states where Santander Bank operates. Brazil: deposits including debenture, LCA (agribusiness notes), LCI (real estate credit notes), financial bills (letras
financeiras) and COE (certificates of structured operations).View entire presentation