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Investor Presentaiton

In summary Our strong model is reflected in the resilience of our business. It is a competitive strength that continues to differentiate us Santander More resilience and lower volatility of results Differential Pre-provision profit / loans and Cost of credit EPS volatility calculated using quarterly data from Jan-99 to Q1'222 1.60% I 0.62% -ï||||||^|| 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 H1'22 1.90% 1.89% 1.80% 1.61% 1.65% 1.65% 1.80% 1.78% 1.25% 1.21% 12% 40% 40% 43% 80% 82% Pre-provision profit/loans 93% 3.25% 3.06% 2.94% 3.04% 2.90% 2.83% 2.97% 2.89% 2.80% 2.49% 2.57% 2.61% + + 101% 115% Cost of credit¹ 2.44% 1.65% 1.69% 1.43% 1.25% 1.18% 1.07% 1.00% 1.00% 1.28% 0.77% 0.83% 321% 650% (1) Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months. Considering annualized H1'21 provisions, cost of credit would be 0.91%. (2) Source: Bloomberg, with GAAP criteria. Standard deviation of the quarterly EPS starting from the first available data since Jan-99. 13 اسد ***
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