2023 Highlights

€12,296 mn

revenue

€1,901 mn

underlyng attributable profit

€207 bn

loans

42.8 %

efficiency

11.5 %

RoTE

€12,296 mn

revenue

€1,901 mn

underlyng attributable profit

€207 bn

loans

42.8 %

efficiency

11.5 %

RoTE

New global business definitions as published on 20 December 2023.

Strategic priorities

 

  • Manage all consumer activity (both auto and non-auto) across the Group to extract synergies from our agreements with OEMs and partners

  • Strengthen our franchise through common commercial partners and operating standards

  • Maintain our leadership position in consumer lending across our footprint by providing the best customer experience

  • Transform our operating model towards a more digital one, with global, omnichannel solutions, building off the Group’s capabilities

Annual Review 2023: José M. Linares
Annual Review 2023: José M. Linares

Our head

 

José Luis De Mora

Senior executive vice-president of Banco Santander, Global Head of Digital Consumer Bank, CEO of Santander Consumer Finance (SCF) and Group Head of Corporate Development and Financial Planning