2022 Highlights - PagoNxt & Santander UK
2022 Highlights
Digital Consumer Bank
'Europe's consumer finance leader: solid business model,
geographic diversification and leading market shares in
auto/mobility finance and in personal finance/e-commerce'
☐
Strategic priorities ■■
To become the largest digital consumer bank leveraging SCF's footprint, profiting from
Openbank's technology and reinforcing our leadership with strategic alliances
Auto: strengthening auto financing leadership by reinforcing mobility solutions with
focus on leasing and subscription
Consumer (non-auto): gaining market share in consumer lending, with focus on
e-commerce checkout lending and buy now, pay later (BNPL)
Simplification for efficiency: maintaining high speed digitalization in order to
transform the business and improve efficiency
ESG: enhancing green finance propositions in both auto and consumer loans (fully
electric vehicles, electric chargers, solar panels, bikes, etc...)
Branches
364
00
MA Employees
16,193
Active customers (mn)
19.7
Points of sale (k)
>130
☐
Customer loans (€ bn)
125
Customer funds (€bn)
Underlying attributable profit (€ mn)
ROTE¹
62
■
1,308
■
14.4%
Santander
(1) Adjusted RoTES: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 13.7%.
Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds.
More information at https://www.santander.com/en/about-us/where-we-are/digital-consumer-bank
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