H1´24 Highlights

€213 bn

Loans

€122 bn

Deposits

2.17 %

CoR

40.6 %

C/I

€1,070 mn

Profit

13.0 %

RoTE (1)

€213 bn

Loans

€122 bn

Deposits

2.17 %

CoR

40.6 %

C/I

€1,070 mn

Profit

13.0 %

RoTE (1)

(1) Data are presented annualizing the impact of the temporary levy on revenue earned in Spain. Without annualizing its impact: 12.8%.

About us

A single model across our markets for our consumer and auto finance business and for Openbank.

Strategic priorities

 

  • Expand our leadership in consumer lending across our footprint (e.g. #1 finance company in Europe and LatAm, top 5 in the US and top 10 in China in auto finance) by providing the best customer experience and enhancing our global relationships

  • Converge towards a more digital global operating model, building a world-class digital offering in mobility, supporting our partners' transformation journeys 

  • Continue to build flex-term solutions (leasing, subscription, BNPL) based on common platforms to respond quickly to the changes in mobility and consumer ecosystem and our customer needs

  •  Continue gathering deposits as our main source of financing

Annual Review 2023

José M. Linares
José M. Linares

Our head

 

José Luis De Mora

Senior Executive Vice President of Banco Santander, Executive Vice Chairman of Digital Consumer Bank and Global Head of DCB, Corporate Development and Financial Planning