2022 Highlights - PagoNxt & Santander UK
Disciplined capital allocation plus our diversification further strengthen our rock-solid
balance sheet
Credit quality
remained
robust
0.99%
3.16%
3.08%
0.77%
Improved
NPL ratio
Delivered
on our CoR
target (<1%)
2021
2022
2021
2022
High quality
funding and
conservative
liquidity
management
High quality /
stable retail
funding
17%
Wholesale
152%
Regulatory
requirement (100%)
83% Retail
LCR
Deposits
Delivered on
capital targets
(FL CET1 >12%
every quarter)
11.96%
12.04%
Continued
growth in
FL CET1
Regulatory
requirement
(9.07%)²
2022
20211
2022
70%
80%
2022 target of
80% RWAs with
ROE>CoE achieved
2021
Santander (1) Including acquisition of SC USA minority interest and Amherst Pierpont Securities completed at the beginning of 2022.
(2) Regulatory requirement using estimated December 2022 countercyclical buffer.
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