2023 Highlights Digital Consumer Bank Europe
هههه
2023 Highlights
Total income (€ mn)
29,754
Efficiency ratio
43.1%
ROTE
15.1%
Underlying attributable profit (€ mn)
5,659
Retail & Commercial Banking
'A new global business integrating all our retail and commercial banking
business globally to better serve our customers, improve efficiency
and drive value creation'
Strategic priorities
■ Implement a common operating model, leveraging the scale of Group and our local
presence
■ Spread transformation efforts across Retail & Commercial Banking footprint to foster
simplification, process automation and deployment of our best-in-class tech platform
■ Further increase profitability supported by customer base growth and cost-to-serve
efficiencies
Santander
Note: new global business definitions as published on 20 December 2023.
More information at https://www.santander.com/en/about-us/where-we-are/retail-commercial-banking
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