Santander in 2017

We generate stable and recurrent profit…

(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%

Simple | Personal | Fair
…while contributing to social and economic progress in the communities where the bank operates.
People
People
Customers
Customers
Shareholders
Shareholders
Communities
Communities
Suppliers
Suppliers
Tax contribution
Tax contribution

1. From Group audited accounts.
2. Includes financial business activities and customer prepayments.
3. Subject to the approval of the fourth dividend against the 2017 results by the board of directors and the shareholders’ meeting.
4. Adjusted for the July 2017 capital increase.

Ana Botín

Ana Botín,
Group Executive Chairman

Our purpose is to help people and businesses prosper.

Balanced geographic diversification is the 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%).