2023 Highlights Digital Consumer Bank Europe
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Glossary - Acronyms
ALCO: Assets and Liabilities Committee
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AM: Asset management
AuMs: Assets under Management
FL: Fully-loaded
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RoRWA: Return on risk-weighted assets
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FX: Foreign exchange
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ROTE: Return on tangible equity
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FY: Full year
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RWA: Risk-weighted assets
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bn: Billion
IFRS 9: International Financial Reporting
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SAM: Santander Asset Management
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BNPL: Buy now, pay later
Standard 9, regarding financial instruments
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SAN: Santander
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bps: Basis points
LLPS: Loan-loss provisions
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SBB: share buybacks
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c.: Circa
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SC USA: Santander Consumer USA
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CAL: Customer assets and liabilities
NII: Net interest income
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SME: Small and Medium Enterprises
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CHF: Swiss franc
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CET1: Common equity tier 1
CIB: Corporate & Investment Bank
CoE: Cost of equity
COR: Cost of risk
Covid-19: Coronavirus Disease 19
CRE: Commercial Real Estate
DCB: Digital Consumer Banking
NIM: Net interest margin
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TNAV: Tangible net asset value
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NPL: Non-performing loans
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TPV: Total Payments Volume
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NPS: Net promoter score
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YoY: Year-on-Year
OEM: Original equipment manufacturer
YTD: Year to date
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PB: Private Banking
PBT: Profit before tax
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P&L: Profit and loss
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DGF: Deposit guarantee fund
DPS: Dividend per share
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EPS: Earning per share
ESG: Environmental, social and governance
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pp: Percentage points
Ps: Per share
QoQ: Quarter-on-Quarter
Repos: Repurchase agreements
RoE: Return on equity
Santander
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