H1'23 Highlights
Double-digit growth in value creation
Profitability
Customer centric
ROTE (%)
Payout (Cash + SBB)1 (%)
EPS Growth (%)
Total customers (mn)
2022
H1'23
2025 targets
13.4
14.5
15-17
40
50
23
13
50
Double-digit
160
164
c.200
Active customers (mn)²
99
99
c.125
Simplification &
Efficiency ratio (%)
45.8
44.2
c.42
automation
Network
contribution
Customer activity
Capital
Global & network businesses' contribution to total revenue (%)
Global & network businesses' contribution to total fees (%)
>30
39
>40
c.40
42
>50
Transactions volume per active customer (% growth)³
10
c.8
FL CET1 (%)
12.0
12.2
>12
RWA with RoRWA>COE (%)
80
83
c.85
Green financed raised & facilitated (€bn)4
94.5
98.6
120
Socially responsible Investments (AuM) (€bn)
53
58.6
100
ESG
Financial inclusion (# People) (mn) 5
0.9
5
Women in senior positions (%)
c.29
30.8%
35
Equal pay gap (%)
c.1
TNAVps+DPS (Growth YoY)
+6%
+11%
c.0
Double-digit growth
average through-the-cycle
(1) Target payout will be c.50% of group reported profit (excluding non-cash, non-capital ratios impact items), distributed in approximately 50% in cash dividend and 50% in share
buybacks. Execution of the shareholder remuneration policy is subject to future corporate and regulatory decisions and approvals.
Santander (2) Those customers who meet transactionality threshold in the past 90 days.
(3) Total transactions include merchant payments, cards and electronic A2A payments.
(4) Since 2019. (5) Starting Jan-23. Does not include financial education.
Note: ESG - Not taxonomy. Definitions in the Glossary of this presentation.
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