Financial and Liquidity Management Summary
Santander Portugal aims to provide best-in-class service to its customers, maintaining
a leadership position in lending
KEY DATA
9M'22
YoY Var.
Customer loans
€41.1 bn
+1.6%
Customer Deposits
€39.3 bn
+3.6%
Attributable profit
€385.1 mn
+123.7%
ROTE¹
15.0%
+5.5 pp
Efficiency ratio
39.0%
-210 bps
Loans market share²
17.9%
-4 bps
Deposits market share²
13.4%
-0 bps
Total customers
3.0 mn
-0.4%
Digital customers
1.1 mn
+9.4%
Branches³
340
-2.9%
Se
Employees³
4,638
-14.1%
Santander
(1) Using tangible equity.
(2) As at Jun-22
(3) Branches and Employees in Portugal
Strategic Priorities
Consolidate the commercial and digital integration
model
Grow organically in terms of profitable market
share, improving our lending leadership position
Maintain our position as market leaders in
efficiency, improving the cost base
Maintain an appropriate risk policy with high credit
quality and strong capital position
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