2022 Highlights - PagoNxt & Santander UK
Auto and Payments global scale advantages and capabilities are driving profitable growth
across our 10 core markets and beyond
Auto mobility services: a worldwide leader
supported by our global OEM partnerships
New loan growth (YoY)
New auto
DCB
+2%
#1 in Europe in
volumes and
Market¹
-4%
profitability...
Used auto
+15%
-11%
Payments: expanding our merchant and
card capabilities through the Group
Getnet Merchant acquiring
Top 3 in LatAm
Cards
97mn
Scaling up
our global
platforms...
Market share Mexico
(# transactions)
Cards managed
globally
DCB
Efficiency ratio
47%
ROA²
20%
18%
+4mn
14%
2.01%
YOY
Peers
50%
1.06%
2020
2021
Nov-22
Market position
% activity related to partner
OEM relationships in Europe
YoY changes in constant euros
PagoNxt
...leveraging
our position to
grow in the
#1 in LatAm
Americas
>40%
...with strong
growth as we
ramp-up
business
#5 in the US
Santander
Note: Santander data - FY'22. Peer data - 9M'22 or latest available. Peer group corresponds to the those included in the benchmarking exercise
for the variable renumeration calculations for DCB.
New auto change in number of new car registrations; used auto change in number of market transactions.
PBT/ average outstanding loans (with operational lease).
Cards
+19%
+14%
Turnover
Revenue
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