H1'22 Financial Results and PagoNxt Highlights
Liquidity and Funding
The main metrics show the strength and stability of the Group's liquidity
position
Evolution of key liquidity metrics
LTD and MLT funding metrics by geography
Jun-22
2018
2019
2020 2021 Jun-22
LTD Ratio
(Deposits +M/LT
funding) / Loans
1
3
Loans / net assets
76%
77% 76% 75% 76%
Spain
85%
126%
UK
113%
103%
1
Loan-to-deposit ratio (LTD)
113%
114% 108% 106% 107%
Portugal
90%
117%
Poland
83%
123%
Customer deposits and medium- and long-
1
114%
113% 116% 117% 116%
USA
110%
119%
term funding / loans
Mexico
95%
116%
Short-term wholesale funding / net
Brazil
99%
122%
2%
3%
2%
2%
2%
liabilities
Chile
140%
93%
Argentina
54%
185%
Structural liquidity surplus/ net liabilities
13%
13% 15%
16%
16%
DCB
203%
73%
Encumbrance
2
25%
24% 27%
26%
26%
GROUP
107%
116%
(1) Loans and advances to customers.
Santander (2) Latest data Mar-22.
(3) Spain public management criteria.
45View entire presentation