Santander in 2017

In 2017 we obtained excellent results the right way: through profitable growth and a strong balance sheet, while helping people and businesses prosper.

Ana Botín

Ana Botín,
Group executive chairman

(Millions of euros)

Attributable profit

* +7.4% in constant euros

Return on tangible equity (underlying)

11.8%

Efficiency (cost-to-income)

47%

Fully loaded CET1 capital ratio

10.84%

NPL ratio

4.08%

People, customers, shareholders and communities

Balanced geographic diversification is key to our stable and predictable growth

Contribution to underlying Group profit, %.
Click on each of the countries for more information.

  • People: 17,560 (+0.3%)
  • Customers (millions): 5.0 (-3%)
  • Loans1 2: 75,389 (-4.3%)
  • Atributable profit1: 332 (-6.7%)
  • CONTRIBUTION TO GROUP PROFIT: 4%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 18,557 (+5.4%)
  • Customers (millions): 15.1 (+12%)
  • Loans1 2: 26,962 (+4.6%)
  • Atributable profit1: 710 (+16.5%)
  • CONTRIBUTION TO GROUP PROFIT: 7%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 47,135 (+0.9%)
  • Customers (millions): 38.1 (+11%)
  • Loans1 2: 74,341 (+7.2%)
  • Atributable profit1: 2,544 (+33.7%)
  • CONTRIBUTION TO GROUP PROFIT: 26%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 11,675 (-2.7%)
  • Customers (millions): 3.5 (-3,3%)
  • Loans1 2: 38,249 (+2.7%)
  • Atributable profit1: 586 (+11.7%)
  • CONTRIBUTION TO GROUP PROFIT: 6%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 9,277 (+17%)
  • Customers (millions): 3.6 (+23%)
  • Loans1 2: 7,608 (+44%)
  • Atributable profit1: 359 (+14%)
  • CONTRIBUTION TO GROUP PROFIT: 4%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 25,971 (+1.1%)
  • Customers (millions): 25.4 (+0%)
  • Loans1 2: 235,783 (+0.8%)
  • Atributable profit1: 1,498 (-2.7%)
  • CONTRIBUTION TO GROUP PROFIT: 16%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 11,572 (-3.6%)
  • Customers (millions): 4.4 (+1%)
  • Loans1 2: 22,974 (+5.1%)
  • Atributable profit1: 300 (-2.8%)
  • CONTRIBUTION TO GROUP PROFIT: 3%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • People: 22,916 (-0,4%)
  • Customers (millions): 12,675 (-1.2%)
  • Loans1 2: 148,585 (-1,6%)
  • Atributable profit1: 1,180 (+46,4%)
  • CONTRIBUTION TO GROUP PROFIT 3: 15%
  • 1. Millions of euros.
    2. Gross lending, changes without repos.
    3. Including Popular.
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  • People: 5,895 (-6.5%)
  • Customers (millions): 4.7 (+18%)
  • Loans1 2: 31,296 (+7.8%)
  • Atributable profit1: 440 (+10.2%)
  • CONTRIBUTION TO GROUP PROFIT 3: 5%
  • 1. Millions of euros
    2. Gross lending, changes without repos.
    3. Including Popular.
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  • People: 15,131 (+1.4%)
  • Customers (millions): 19.9 (+11%)
  • Loans1 2: 92,431 (+6.2%)
  • Atributable profit1: 1,168 (+4.4%)
  • CONTRIBUTION TO GROUP PROFIT: 13%
  • 1. Millions of euros, with changes in constant currencies.
    2. Gross lending, changes without repos.
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  • Main countries
  • Santander Consumer Finance

* Including Popular (3%).