Retail Banking Performance Update
Cost of risk (%)
Mar-21
Jun-21 Sep-21 Dec-21
Mar-22
Jun-22
Sep-22
Dec-22
Europe
0.51
0.49
0.48
0.39
0.37
0.37
0.36
0.39
Spain
0.79
0.91
0.97
0.92
0.88
0.79
0.71
0.61
United Kingdom
0.21
0.09
0.01
(0.09)
(0.08)
(0.02)
0.02
0.12
Portugal
0.38
0.41
0.35
0.09
0.03
(0.05)
(0.12)
0.04
Poland
1.02
0.88
0.82
0.67
0.65
0.95
1.07
1.43
North America
2.34
1.67
1.46
0.93
0.93
1.09
1.12
1.49
US
2.12
1.34
1.06
0.43
0.49
0.78
0.87
1.35
Mexico
3.00
2.74
2.69
2.44
2.22
2.05
1.86
1.95
South America
2.81
2.51
2.52
2.60
2.73
2.97
3.11
3.32
Brazil
3.79
3.51
3.60
3.73
3.94
4.26
4.46
4.79
Chile
1.33
1.07
0.89
0.85
0.83
0.89
0.87
0.93
Argentina
4.55
3.94
3.51
3.01
3.31
3.07
2.88
2.91
Digital Consumer Bank
0.69
0.64
0.57
0.46
0.44
0.44
0.43
0.45
TOTAL GROUP
1.08
0.94
0.90
0.77
0.77
0.83
0.86
0.99
Santander NOTE: Provisions to cover losses due to impairment of loans in the last 12 months / average customer loans and advances of the last 12 months.
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