H1'23 Highlights
H1'23 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 ■■
Secure leadership in global digital consumer lending:
Branches
363
00
MA Employees
16,624
Total customers (mn)
19.7
Points of sale (k)
>130
Customer loans (€ bn)
128
Customer funds (€ bn)
65
Underlying attributable profit (€ mn)
521
ROTE
10.8%
■
Auto:
- Progress further with strategic initiatives to build a world-class digital offering in mobility
-Provide our OEMs and partners with innovative finance and sale solutions (lending, leasing,
renting and subscription) on dealer websites and in auto marketplaces
Consumer (non-auto): gain market share though specialization and tech platforms in buy
now, pay later (BNPL), checkout lending, credit cards and direct loans
Digital Bank: continuing to increase loyalty among our Openbank and SC Germany retail
customers and boosting digital banking
Santander More information at https://www.santander.com/en/about-us/where-we-are/digital-consumer-bank
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