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Santander Consumer Finance

Created with Highcharts 6.0.4Sales and Profits (EUR mil)Total RevenuesNet Profit2007200820092010201120122013201420152016201720181k2k3k4k5k050010001500

Santander Consumer Finance's npls (as % of loans) fell 9.16% to 1.98% in 2018

By Helgi Library - July 2, 2019

Santander Consumer Finance's non-performing loans reached 1.98% of total loans at the end of 2018, down from 2.18% compared to th...

Santander Consumer Finance's net profit rose 12.9% to EUR 1,219 mil in 2018

By Helgi Library - July 2, 2019

Santander Consumer Finance made a net profit of EUR 1,219 mil under revenues of EUR 4,134 mil in 2018, up 12.9% and 0.449% respective...

Santander Consumer Finance's npls (as % of loans) fell 9.16% to 1.98% in 2018

By Helgi Library - July 2, 2019

Santander Consumer Finance's non-performing loans reached 1.98% of total loans at the end of 2018, down from 2.18% compared to th...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 3,077 3,205 3,313
Net Fee Income EUR mil 820 846 764
Other Income EUR mil 57.0 65.3 57.6
Total Revenues EUR mil 3,955 4,116 4,134
Staff Cost EUR mil 698 724 757
Operating Profit EUR mil 2,218 2,330 2,371
Provisions EUR mil 353 338 336
Net Profit EUR mil 1,055 1,079 1,219
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 591 283 158
Customer Loans EUR mil 81,983 86,635 92,880
Total Assets EUR mil 96,242 99,716 105,612
Shareholders' Equity EUR mil 10,397 11,760 13,173
Interbank Borrowing EUR mil 20,201 21,844 21,570
Customer Deposits EUR mil 33,258 33,540 34,541
Issued Debt Securities EUR mil 27,866 28,305 32,275
Ratios 2016 2017 2018
ROE % 10.6 9.74 9.78
ROA % 1.16 1.10 1.19
Costs (As % Of Assets) % 1.90 1.82 1.72
Costs (As % Of Income) % 43.9 43.4 42.6
Net Interest Margin % 3.37 3.27 3.23
Loans (As % Of Deposits) % 247 258 269
NPLs (As % Of Loans) % 2.38 2.18 1.98
Provisions (As % Of NPLs) % 107 98.3 103
Growth Rates 2016 2017 2018
Total Revenue Growth % 8.91 4.08 0.449
Operating Cost Growth % 7.36 2.85 -1.27
Operating Profit Growth % 10.2 5.05 1.77
Net Profit Growth % -0.428 2.29 12.9
Customer Loan Growth % 16.2 5.67 7.21
Total Asset Growth % 11.4 3.61 5.91
Customer Deposit Growth % 7.16 0.849 2.99
Shareholders' Equity Growth % 10.00 13.1 12.0
Employees 9,631 9,774 9,694

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