H1'22 Financial Results and PagoNxt Highlights
Santander Business Model & Strategy
... coupled with our regional organizational structure, delivers growth
and profitability...
H122
vs. H1'21
Total
customers
Customer
loans
Customer
deposits
Net operating
income
Underlying
att. profit
ROTE¹
(mn)
(€bn)
(€bn)
(€mn)
(€mn)
46.4
589
609
4,417
1,839
12.1%
Europe
+1%
+5%
+5%
+17%
+38%
+3.2pp
North
25.3
152
124
3,088
1,578
23.3%
America
+3%
+7%
+4%
-9%
-10%
-3.0pp
South
65.8
148
124
5,780
1,946
27.6%
America
+11%
+12%
+5%
+7%
+7%
+1.0pp
Digital
Digital
Consumer Consumer
19.4
119
58
1,325
572
12.8%
Bank Bank
+4%
+7%
+3%
+16%
+1.9pp
Santander
Note: YoY changes in constant euros. Loans and advances to customers excluding reverse repos. Customer deposits excluding repos.
(1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 8.8% for Europe, 12.2% for North
America, 20.8% for South America and 12.0% for DCB.
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