Retail Banking Performance Update
NPL ratio (%)
Mar-21
Jun-21 Sep-21 Dec-21
Mar-22
Jun-22
Sep-22 Dec-22
Europe
3.26
3.30
3.15
3.12
3.01
2.63
2.58
2.37
Spain
4.98
5.16
4.86
4.72
4.47
3.83
3.69
3.27
United Kingdom
1.35
1.30
1.27
1.43
1.42
1.17
1.16
1.21
Portugal
3.84
3.71
3.44
3.44
3.42
3.33
3.03
2.99
Poland
4.82
4.58
4.34
3.61
3.50
3.45
3.63
3.80
North America
2.39
2.28
2.56
2.42
2.83
2.71
2.79
3.03
US
2.11
2.00
2.36
2.33
2.75
2.64
2.92
3.25
Mexico
3.21
3.10
3.14
2.73
3.09
2.95
2.34
2.32
South America
4.30
4.36
4.38
4.50
5.05
5.39
5.54
6.20
Brazil
4.42
4.55
4.72
4.88
5.68
6.34
6.63
7.57
Chile
4.74
4.57
4.36
4.43
4.70
4.70
4.63
4.99
Argentina
2.32
3.34
3.85
3.61
3.21
2.48
2.13
2.08
Digital Consumer Bank
2.23
2.18
2.15
2.13
2.27
2.22
2.20
2.06
TOTAL GROUP
3.20
3.22
3.18
3.16
3.26
3.05
3.08
3.08
Santander
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