The commercial transformation is driving growth in loyal and digital customers, reflected in greater business in almost all markets
(*) Banco Popular customer integration in March 2018.
Santander is a predictable, profitable and efficient bank, with a business model that enables us to obtain higher profits in a recurring way
Santander is strengthening its capital ratios and improving credit quality while remaining among the leading banks in profitability.
(*) Using the IFRS 9 transitional arrangements.
Our balanced geographic diversification has been key to deliver stable and predictable growth
- 2018 underlying profit. Excluding Corporate Centre and Spain real estate activity. For further details, see more information in sections 3 and 4 of the Economic and financial review chapter.
- Loans. UK: lending comprises UK mortgages (excluding social housing), consumer credit and commercial lending (excluding financial institutions). Poland: including Santander Consumer Finance business (SCF); US: in the states where the Group operates. SCF: Top3 in our main markets in new lending of auto loans.
Santander Consumer Finance