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Santander Consumer Finance

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Santander Consumer Finance

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

          2,144 2,104 2,217 2,763 3,077    
          2,922 2,884 3,072 3,631 3,955    
          1,572 1,520 1,696 2,014 2,218    
          280 609 638 1,060 1,055    

balance sheet

          6,453 8,683 5,487 1,160 591    
          56,613 55,928 57,446 70,556 81,983    
          1,816 931 766 3,313 3,330    
          71,129 72,103 70,832 86,429 96,242    
          6,787 7,285 7,648 9,452 10,397    
          19,554 16,815 10,018 16,878 20,201    
          32,114 30,921 29,298 31,037 33,258    
          9,226 14,058 19,728 25,329 27,866    

ratios

          4.13% 8.66% 8.55% 12.4% 10.6%    
          0.390% 0.851% 0.893% 1.35% 1.16%    
          1.88% 1.90% 1.93% 2.06% 1.90%    
          46.2% 47.3% 44.8% 44.5% 43.9%    
          2.98% 2.94% 3.10% 3.51% 3.37%    
          73.4% 72.9% 72.2% 76.1% 77.8%    
          26.8% 27.5% 26.4% 22.7% 20.7%    
          38.2% 37.9% 37.8% 39.7% 40.2%    
          9.54% 10.1% 10.8% 10.9% 10.8%    
          176% 181% 196% 227% 247%    
          79.6% 77.6% 81.1% 81.6% 85.2%    
          3.94% 4.04% 4.54% 3.11% 2.38%    
          91.0% 91.7% 81.5% 107% 107%    

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income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
          3,932 3,504 3,337 3,475 3,630    
          1,788 1,400 1,121 712 552    
          2,144 2,104 2,217 2,763 3,077    
          784 794 812 826 820    
          -5.19 -13.5 43.2 42.3 57.0    
          2,922 2,884 3,072 3,631 3,955    
          515 518 520 641 698    
          128 175 170 177 189    
          706 672 687 799 849    
          1,350 1,364 1,377 1,617 1,736    
          1,572 1,520 1,696 2,014 2,218    
          875 605 992 566 353    
          266 20.6 -121 -54.5 27.6    
          432 894 824 1,502 1,838    
          111 253 134 331 615    
          34.1 25.4 25.2 111 168    
          280 609 638 1,060 1,055    

growth rates

...         0.405% -1.86% 5.37% 24.6% 11.4%    
...         -8.52% 1.29% 2.33% 1.67% -0.687%    
...         -2.01% -1.30% 6.52% 18.2% 8.91%    
...         2.76% 1.06% 0.922% 17.5% 7.36%    
...         -5.77% -3.32% 11.6% 18.8% 10.2%    
...         -34.3% 107% -7.80% 82.2% 22.4%    
...         -35.7% 118% 4.75% 66.0% -0.428%    

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balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

          1,387 1,656 1,345 5,835 4,838    
          6,453 8,683 5,487 1,160 591    
          56,613 55,928 57,446 70,556 81,983    
          1,816 931 766 3,313 3,330    
          2,460 2,373 2,601 2,576 2,505    
          71,129 72,103 70,832 86,429 96,242    
          6,787 7,285 7,648 9,452 10,397    
          193 4.22 133 871 1,324    
          64,342 64,818 63,184 76,976 85,844    
          19,554 16,815 10,018 16,878 20,201    
          32,114 30,921 29,298 31,037 33,258    
          9,226 14,058 19,728 25,329 27,866    
          3,448 3,025 4,140 3,733 4,520    

asset quality

          2,312 2,348 2,710 2,266 2,006    
          58,718 58,082 59,653 72,991 84,139    
          2,105 2,154 2,207 2,435 2,156    

growth rates

...         0.007% -1.21% 2.71% 22.8% 16.2%    
...         -1.97% 1.37% -1.76% 22.0% 11.4%    
...         0.377% 7.33% 4.98% 23.6% 10.00%    
...         -2.87% -3.72% -5.25% 5.93% 7.16%    

Download Data
ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

          4.13% 8.66% 8.55% 12.4% 10.6%    
          0.390% 0.851% 0.893% 1.35% 1.16%    
          1.88% 1.90% 1.93% 2.06% 1.90%    
          46.2% 47.3% 44.8% 44.5% 43.9%    
          2.98% 2.94% 3.10% 3.51% 3.37%    
...         2.72% 2.72% 2.92% 3.40% 3.30%    
          5.47% 4.89% 4.67% 4.42% 3.97%    
...         2.75% 2.17% 1.75% 1.02% 0.679%    
          73.4% 72.9% 72.2% 76.1% 77.8%    
          26.8% 27.5% 26.4% 22.7% 20.7%    
          -0.177% -0.467% 1.41% 1.17% 1.44%    
          5,405 5,660 6,393 6,930 6,473    
          4,205 4,264 4,960 6,045 6,038    
          38.2% 37.9% 37.8% 39.7% 40.2%    
          9.54% 10.1% 10.8% 10.9% 10.8%    
          176% 181% 196% 227% 247%    
          79.6% 77.6% 81.1% 81.6% 85.2%    
          3.94% 4.04% 4.54% 3.11% 2.38%    
          91.0% 91.7% 81.5% 107% 107%    
          3.72% 3.85% 3.84% 3.45% 2.63%    
          1.54% 1.08% 1.75% 0.885% 0.462%    

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other data Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

          10,207 10,115 8,733 8,842 9,631    

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Santander Consumer Finance's customer loan growth reached 7.21% in 2018, up from 5.67% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 22.8% in 2015 and an all time low of -4.47%

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Santander Consumer Finance's customer loan growth reached 7.21% in 2018, up from 5.67% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 22.8% in 2015 and an all time low of -4.47% in 2010. In the last decade, the average annual loan growth amounted to 6.73%.

On the other hand, bank's customer deposit growth amounted to 2.99% at the end of 2018, up from 0.849% when compared to the previous year. Historically, the bank’s deposit growth reached an all time high of 36.0% in 2010 and an all time low of -5.25% in 2014. In the last decade, the average annual loan growth amounted to 6.70%.

At the end of 2018, Santander Consumer Finance's loans accounted for 269% of total deposits and 87.9% of total assets.

You can see all the bank’s data at Santander Consumer Finance Profile, or you can download a report on the bank in the report section.

Santander Consumer Finance generated total banking revenues of EUR 4,134 mil in 2018, up 0.449% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached

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Santander Consumer Finance generated total banking revenues of EUR 4,134 mil in 2018, up 0.449% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 4,134 mil in 2018 and an all time low of EUR 2,032 mil in 2007. The average revenue in the last five years amounted to EUR 3,782 mil.

Net interest income represented 80.1% of total revenues, fee income contributed 18.5% and other non-interest income added further 1.39% to the overall revenue generation in 2018.

Bank's total revenues accounted for 3.91% total assets in 2018, down from 4.13% a year earlier.

You can see all the bank’s data at Santander Consumer Finance Profile, or you can download a report on the bank in the report section.

Santander Consumer Finance's net interest margin amounted to 3.23% in 2018, down from 3.27% compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 3.51% in 2015 and an all

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Santander Consumer Finance's net interest margin amounted to 3.23% in 2018, down from 3.27% compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 3.51% in 2015 and an all time low of 2.70% in 2008. The average margin in the last five years amounted to 3.30%.

Average asset yield was 3.67% in 2018, down from 3.77% when compared to previous year. On the other hand, cost of funding amounted to 0.504% in 2018, down from 0.557%.

You can see all the bank’s data at Santander Consumer Finance Profile, or you can download a report on the bank in the report section.

Santander Consumer Finance's non-performing loans reached 1.98% of total loans at the end of 2018, down from 2.18% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.53% in 2010 and an all time low of

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Santander Consumer Finance's non-performing loans reached 1.98% of total loans at the end of 2018, down from 2.18% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.53% in 2010 and an all time low of 1.98% in 2018.

Provision coverage amounted to 103% at the end of 2018, up from 98.3% compared to a year earlier.

The bank created loan loss provisions worth of 0.375% of average loans in 2018. That's compared to 0.775% of loans the bank put aside to its cost on average in the last five years.

You can see all the bank’s data at Santander Consumer Finance Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Santander Consumer Finance's npls (as % of loans) fell 9.16% to 1.98% in 2018
Santander Consumer Finance's net profit rose 12.9% to EUR 1,219 mil in 2018
Santander Consumer Finance's net interest margin fell 1.36% to 3.23% in 2018
Santander Consumer Finance's net interest income rose 3.36% to EUR 3,313 mil in 2018
Santander Consumer Finance's customer loan growth rose 27.0% to 7.21% in 2018