• Santander Consumer Bank AS (“Santander”) is a private limited liability company incorporated under the laws of Norway subject to supervision by the Norwegian Financial
Supervision Authority (the “Finanstilsynet”), having its registered office at Strandveien 18, 1366 Lysaker, Norway with registration number 983 521 592.
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Disclaimer
2
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Disclaimer
3
1. Santander Consumer Bank AS, Nordic (“SCB Nordic”)
2. Risk Management
3. Financial information
4. Appendix: Banco Santander & Santander Consumer Finance
5. Appendix: Contacts
Content
4
Market leader in the Nordics
• No 1 position in auto finance in Norway, Finland and Denmark
• No 4 in Sweden
Sound financial performance
• Strong profitability history -PBT of NOK 2.3 billion per YTD Q3 2016
• Total assets of NOK 139.2 billion per Q3 2016
• Solid capitalization. CET11 of 15% per Q3 2016
Good asset quality
• Internally developed risk models
• Pro-active portfolio management
• Retail customer base
• Low and stable NPL-ratio at 1.89% per Q3 20162
Part of the Santander group
• Strong, globally diversified owner
• Sharing of risk management, systems and knowledge
Core strengths of SCB Nordic
5
1) CET1 = Common Equity Tier 1
2) NPL-ratio = Non-performing loans / Gross outstanding loans
Banco Santander
• Underlying Attributable Profit of EUR 4,606 million YTD Q3 2016
• Underlying Attributable Profit of EUR 6,566 million per FY 2015
• Total Assets of EUR 1.33 trillion (30.09.2016)
• Serving more than 124 million customers through 12,391 branches
• Wide geographic diversification in key markets in Europe, Latin
America and the United States
Santander Consumer Finance (SCF)
• Fully owned by Banco Santander
• Attributable Profit of EUR 935 million per YTD Q3 2016
• Attributable Profit of EUR 1,093 million per FY 2015
• Outstanding Loans of EUR 93 billion (30.09.2016)
• Wide geographic diversification in key markets in Germany, Nordics,
UK, Poland, Spain, Italy, Portugal, Austria, Benelux, Switzerland and
France
A leading financial group worldwide
Part of the Santander group
SCF: Management perimeter (includes SCUK)6
Banco Santander S.A.
Santander Consumer Finance S.A.
Santander Consumer Bank AS
Norway
Santander Consumer Bank AS
(Branch, Sweden)
Santander Consumer Bank AS
(Branch, Denmark)
Santander Consumer Finance OY
(Subsidiary, Finland)
SCB Nordic received stand-alone ratings in 2016Fully owned by Santander Consumer Finance
Fitch/Moody’s/S&P
A-/A3/A-
Fitch/Moody’s/S&P
A-/A3/BBB+
Fitch/Moody’s
A-/A3
Forthcoming issuances under the updated EMTN programme will be
without a guarantee from the parent SCF S.A.
New stand-alone
rating
7
SCB Nordic
accounts for
22.5% of SCF’s
NAP1
SCF accounts
for 15% of
Banco
Santander’s
Profit
1) Based on internal calculation
• SCB Nordic benefits from operating in countries
with a very strong macro profile.
• The stand-alone rating reflects its strong
positioning as one of the Nordics’ leading
consumer finance lenders as well as its overall
sound credit-risk profile, with strong capitalization
and resilient profitability.
• Adequate post-merger capital levels benefiting
from ongoing support from the parent and
moderate asset risks despite increase in
unsecured consumer lending.
• Ratings driven by institutional support and
equalized with those of its ultimate parent Banco
Santander, S.A.
• Profitability expected to improve, underpinned by
wide margins and moderate charge-off rates.
• Fitch expects that SCB will maintain solid capital
ratios given its higher-risk target markets
compared with the larger Nordic universal banks.
8
Both rating agencies characterize SCB Nordic’s outlook as “stable”
Credit rating highlights
Moody’s: A3 Fitch: A-
Deposits launched in Denmark
SCF S.A. acquires GE Money Bank AB
GE Money Bank AB is renamed Santander Consumer Bank AB (SCB AB)
Merger between Santander Consumer Bank AS (SCB AS) and SCB AB, 1 July 2015, with SCB AS as the surviving entity
2014-15
Consumer loans launched in Sweden (2012) and Denmark (2013)
Deposits launched in Norway and Sweden (2013)
2012-13
GE Finland acquired (auto finance, consumer loans)
2009
Consumer loans launched in Norway
Start up auto finance in Denmark and Finland
2006-2007
Bankia Bank acquired (credit cards)
ELCON Finance becomes Santander Consumer Bank AS
2005
SCF acquires ELCON
Company demerges
Auto finance retained (Norway and Sweden)
2004
ELCON Finance
A leading Norwegian company within equipment leasing, factoring and auto financing
1963
SCB Nordic has built on 50 years of history
9
Denmark
Bo Jakobsen
Finland
Arttu Nykänen
Norway
Knut Øvernes
Sweden
Carolina Brandtman
Financial
Management
Anders Bruun-Olsen
Risk
Peter Sjöberg
IT&OPS
Juan Calvera
Financial Control
Christoph Reuter
HR, Legal &
Compliance
Trond Debes
Collection
Juan Garcia Bolos
Internal Audit
Rasmus Forssblad
CEO Nordic
Michael Hvidsten
Auto Nordic
Olav Hasund
Marketing and
External communicationUnsecuredInsurance
Senior Managment TeamOverall Nordic structure
10
The merger with GE in 2015 strengthened the unsecured business significantly
Diversification is central to our business model
Geographical distribution of Gross OutstandingLoans H1 2016
Product distribution of Gross Outstanding Loans H1 2016
43%
23%
15%
20%
Norway Sweden Finland Denmark
75%
25%
Secured Unsecured
11
Secured: Auto and Stock Finance
Unsecured: Sales Finance, Credit Cards and Direct Lending
Providing consumer finance across the NordicsWith auto financing representing the core of the business
Auto Financing
Customers
• Private Customers
• SME
• Corporates
Products
• Car loans
• Stock finance
• Leasing
Distribution
• Dealers
• Direct distribution
• Cross Sale
Unsecured Financing
Customers
• Private Customers
Products
• Consumer loans
• Credit cards
• Point of sales financing
Distribution
• Direct distribution
• Agents
• Cross sales
Deposits
Customers
• Private Customers
Products
• On-demand deposits
• Term deposits
Distribution
• Direct distribution (online)
12
The Nordic auto finance marketSantander’s market share and main competitors
53 %
Market leading position provides
economy of scale
33%
12%19%
31%
Market shares
and position
Market shares
and position
Market shares
and position
Market shares
and position
#1
#1
#1
#4
13
•Source Norway: Internal calculations based on data from Finansieringsselskapenes Forening
•Source Finland: Internal calculations based on data from Finnish Transportation Safety Agency (Trafi)
•Source Denmark: Internal calculations based on data from Finans og Leasing
•Source Sweden: Internal calculations based on data from Finansbolagens Förening
31 %
20 %
10 %
9 %9 %
21 %
Norwegian market
Santander Consumer Bank DNB Finans
Nordea Finans Norge Sparebank 1 Gruppen
VW Møller Bilfinans Others (incl captives)
19 %18 %15 %
9 %39 %
Danish market
Santander Consumer BankJyske FinansNordea FinansNordaniaOthers (incl captives)
33 %
26 %
12 %7 %
22 %
Finnish market
Santander Consumer Bank OP Financial Group
Nordea Danske Finance
Others (incl captives)
12 %22 %15 %
14 %37 %
Swedish market
Santander Consumer Bank Volvo Finans
Volkswagen Finans DNB
Others (incl captives)
Secured: Nordic breakdownAuto and stock finance
53 %
Norway
Gross outstanding: NOK 40,6 Bn
Denmark
Gross outstanding: NOK 15,5 Bn
Finland
Gross outstanding: NOK 15,3 Bn
Sweden
Gross outstanding: NOK 15,2 Bn
Nordic
Gross outstanding Q3 YTD 2016: NOK 86,5 Bn
Gross
Outstanding%18%
Gross
Outstanding%
18%18%
Gross
Outstanding% 47%
Gross
Outstanding%
14
Unsecured: Nordic breakdownDirect loans, credit cards and sales finance (“durables”)
53 %
Norway
Gross outstanding: NOK 10,7 Bn
Denmark
Gross outstanding: NOK 12,3 Bn
Finland
Gross outstanding: NOK 2,3 Bn
Sweden
Gross outstanding: NOK 12,3 Bn
Nordic
Gross outstanding Q3 YTD 2016: NOK 37,6 Bn
Gross
Outstanding%6%
Gross
Outstanding%
33%33%
Gross
Outstanding% 28%
Gross
Outstanding%
15
1. Santander Consumer Bank AS, Nordic (“SCB Nordic”)
2. Risk Management
3. Financial information
4. Appendix: Banco Santander & Santander Consumer Finance
5. Appendix: Contacts
Content
16
PANDE
Credit information
Scorecards
Vehicle information
Credit policy
Sound underwriting processes
Information is fed into PANDE1 Key components in underwriting
• Credit reports from external agencies
• Internal payment history
• Pay-slips, tax declarations, etc.
Credit info
• Minimum acceptance criteria including:
• Min. age
• Down payment requirements (LTV)
• AML/Fraud
Credit policy
• Internally developed scorecards since 2010
• Enables high degree of automatization
• Models integrated into management
Scorecards
• Includes:
• Age
• Mileage
• Brand
Vehicle info
17 1) Pan Nordic Decision Engine
Norw
ay
• Underwriting:• Public access to
income history
• Negative payment register
• Collection:• Collateral can be
repossessed outside of court
• Withholding of salary can be arranged
• Sales-lien on car will expire after 5y
• For both secured and unsecured loans, the Bank will have a lifetime claim on the Borrower for any outstanding loan
Sw
eden
• Underwriting• Access to debt
register and income information (Upplysningscentralen)
• Collection:• Collateral can be
repossessed outside of court
• Withholding of salary can be arranged
• For auto loans, the Bank can claim proceeds from sale of the car and payment of outstanding invoices
• For unsecured loans, the Bank will have a lifetime claim on any outstanding loan
Fin
land
• Underwriting:• Negative payment
register
• Collection:• Collateral can be
repossessed outside of court
• For both secured and unsecured loans, the Bank will have a claim on the Borrower for any outstanding amount up to 15-20y
Denm
ark
• Underwriting:• Negative payment
register
• Collection:• Collateral can be
repossessed outside of court
• For auto loans, the Bank can claim proceeds from sale of the car
• For unsecured loans, the Bank will have a lifetime claim on any outstanding loan
Creditor friendly legal environment Good legal environment for automatic underwriting and collection in the Nordics
18
Risk performance – Non performing loans (NPL)
Tight risk controls result in stable performance
1,83%1,76%
1,61% 1,48%
2,05% 1,89%
2011 2012 2013 2014 2015 Q3 2016
NPL Ratio1
89,90%97,70% 98,60%
126,90%106,80% 112,28%
2011 2012 2013 2014 2015 Q3 2016
Coverage Ratio2
19
1) The NPL ratio in Norway is driven by a write-off policy based on proof on insolvency
2) Coverage Ratio = Loan Loss Reserves (Write Downs) / NPL
NPL Ratio 2011 2012 2013 2014 2015 Q3 2016
Secured 1,35 % 1,30 % 1,20 % 1,09 % 1,01 % 0,93 %
Unsecured 6,42 % 6,24 % 5,32 % 4,77 % 4,97 % 4,64 %
Nordic 1,83 % 1,76 % 1,61 % 1,48 % 2,05 % 1,89 %
Coverage Ratio 2011 2012 2013 2014 2015 Q3 2016
Secured 65,9 % 69,2 % 75,5 % 89,4 % 95,4 % 104,4 %
Unsecured 140,6 % 138,6 % 136,4 % 148,1 % 111,8 % 117,1 %
Nordic 89,9 % 97,7 % 98,6 % 126,9 % 106,8 % 112,3 %
1. Santander Consumer Bank AS, Nordic (“SCB Nordic”)
2. Risk Management
3. Financial information
4. Appendix: Banco Santander & Santander Consumer Finance
5. Appendix: Contacts
Content
20
Strong business development and growth across all the Nordic countries
Steady asset growth
0
20 000
40 000
60 000
80 000
100 000
120 000
140 000
2011 2012 2013 2014 2015 Q3 2016
NO
K M
illio
n
Gross Outstanding Loans1
Finland Denmark Sweden Norway
0
10 000
20 000
30 000
40 000
50 000
60 000
2011 2012 2013 2014 2015 YTD Q32016
NO
K M
illio
n
New Business Volume
Finland Denmark Sweden Norway
21
Source: Q3 2016 report.
1) Gross outstanding loans Includes total loans before individual and group-wise write-downs, Operational leasing and Stock Finance.
Increased earnings and stable margins
Solid financial performance
4,7 % 4,6 % 4,6 % 4,5 % 4,7 %4,3 %
5,2 %
0%
1%
2%
3%
4%
5%
6%
2011 2012 2013 2014 2015 YTD Q32015
YTD Q32016
Net Interest Income Ratio2
41%36%
39% 41%
45 %
57%51%
0%
10%
20%
30%
40%
50%
60%
2011 2012 2013 2014 2015 YTD Q32015
YTD Q32016
Cost / Income Ratio4
1128 1136
1393 1321
1942
1325
2342
0
500
1 000
1 500
2 000
2 500
2011 2012 2013 2014 2015 YTD Q32015
YTD Q32016
NO
K M
illio
n
Profit Before Tax1
2,2 %2,0 % 2,1 %
1,7 % 1,8 %1,7 %
2,6 %
0,0 %
0,5 %
1,0 %
1,5 %
2,0 %
2,5 %
3,0 %
2011 2012 2013 2014 2015 YTD Q32015
YTD Q32016
Return On Assets3
22
Source: Q3 2016 report.
1) PBT in MNOK.
2) Net Interest Income Ratio (annualized) NII / ANEA
3) Return on Assets (annualized): PBT / ANEA
4) Cost / Income ratio (annualized): OPEX / Gross Margin
9,69%10,90%
15,26% 14,99%
13,06%13,86%
17,77% 17,46%
13,71%14,12%
19,14% 18,80%
10,27%10,78%
11,43% 11,25%
0%
5%
10%
15%
20%
25%
2013 2014 2015 Q3 2016
CET1 Tier 1 Tier 2 Leverage ratio
• Santander Consumer Bank AS is regulated by the
Norwegian FSA
• Norway follows the CRD IV framework with national
adjustments
• The national adjustments represent stricter requirements
than the CRD IV framework
• Capital ratio requirements under Pillar 1 in Norway are
(including buffer requirements):
• CET1-ratio should be minimum 11,5%1
• Tier1-ratio should be minimum 13%
• Tier2-ratio should be minimum 15%
• In addition the bank also needs to meet capital
requirements under Pillar 2 (CET1)
• SCB reports leverage ratio to the Norwegian FSA, but
this is not yet a requirement
• SCB has a strong leverage ratio compared with peers
Capital management
Capital ratios evolution Capital requirements in Norway
Meeting stricter Capital Requirements
23
1) From October 2016, the countercyclical buffer requirement in Norway will be calculated as a weighted average of the buffer requirements applicable in the countries where the bank operates. Due to this change, the CET1 requirement for SCB will fall from 11.5% to about 11% from October 2016
Key developments
• SCB Nordic approved as an A-IRB1 bank in December 2015
• The A-IRB approach is now used for the private auto portfolios in Norway, Sweden and Finland
• The remaining portfolios will gradually change from standard approach to A-IRB approach
• The change from standard approach to A-IRB- approach improved CET1-ratio from 13,5% to 15,26% per
December 2015
• We do not expect similar capital relief for the remaining portfolios
Capital managementSCB AS is now an A-IRB bank
24 1) A-IRB = Advance Internal Rating Based
Steadily increasing our self-funding share
Funding
Securitization
• 10 outstanding transactions across the Nordics
• Represents a stable funding source
• We expect securitization to account for approx. 20-25% of funding going forward
Senior Unsecured
• NOK 6 billion outstanding in the Norwegian bond market
• SEK 3,5 billion outstanding in the Swedish bond market
• EUR 1,75 billion outstanding from three Benchmark transactions issued under the EMTN Programme
Deposits
• In Norway deposits are guaranteed up to MNOK 2. In EU countries the guarantee is up to EUR 100,000
• NOK 39 billion across Norway, Sweden and Denmark
Self-funding pillars Funding composition
Self-funding ratio
22%
28%
50%
62%
70%
67%
0%
10%
20%
30%
40%
50%
60%
70%
80%
2011 2012 2013 2014 2015 Q3 2016
33%
11%
34%
22%
-
20
40
60
80
100
120
2011 2012 2013 2014 2015 Q3 2016
NO
K b
illi
on
Parent funding Securitization Deposits Unsecured Bonds
Existing EMTN transactions benefit from parent guarantee. After the
stand-alone rating any new EMTN issuances will be without parent
guarantee.
25
1. Santander Consumer Bank AS, Nordic (“SCB Nordic”)
2. Risk Management
3. Financial information
4. Appendix: Banco Santander & Santander Consumer Finance
5. Appendix: Contacts
Content
26
28
Santander, a leading financial group
Key Figures
Headcount 189,675
Branches (units) 12,391
Shareholders (millions) 3.92
Customers (millions) 124
Total assets (trill. €) 1.33
Sep’16
Attributable Profit 9M’16 (mill. €) 4,606
Underlying Profit* 9M’16 (mill. €) 4,975
(*) Excluding one-off items and contribution to the Single Resolution Fund (SRF) due to change in the scheduled contribution dates.
29
The Santander model
Santander has a customer-focused business model that is unique among major international banks
Geographicdiversification
Internationaltalent, culture
and brand
A strong balancesheet, prudent
risk managementand global control
frameworks
Focus on retailand commercial
banking
Subsidiariesmodel
Innovation, digitaltransformation and
best practices
A large yet simple bank A value-adding corporate centre
30
In summary
… which provide us with a high capacity to absorb provisions
Pre-provision profit Profitability drivers
Our business model allows us to generate high pre-provision profit …
Cost of credit
Pre-provision profit / loans
2005 €9 billion
2008 €18 billion
Since
2009 > €22 billion1,0%
1,4% 1,4%1,7%
2,4%
1,7% 1,4%1,3%
2008 2009 2010 2011 2012 2013 2014 2015
3,0%3,3% 3,3% 3,3%
3,1% 2,9% 3,0% 2,9%
Source: Annual report 2015
31
In summary
Attributable profit - Santander vs. Peers1 (€ bn.)
-20
-15
-10
-5
0
5
10
15
20
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Group attributable profit (€ bn.)
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
7,6
9,18,9 8,9
8,2
5,3
2,3
4,2
5,8 6,0
SAN
(1) Data: Entities' annual and quarterly reports. Peer Group: BBVA, BNP Paribas, Citigroup, Deutsche, HSBC, Intesa Sanpaolo, Itaú, JPMorgan Chase, Lloyds, Société Générale, UBS, UniCredit, Bank of America, Wells Fargo, Barclays, Standard Chartered and ING Group.
… contributing to sustainable profit generation
32
9M'16 Financial Highlights
(*) Excluding one-off items and contribution to the Single Resolution Fund (SRF) due to change in the scheduled contribution dates. % change ona currency-neutral basis
33
9M'16 Business HighlightsVar. Sep’16 / Sep’15
Note: Loans excluding repos. Customer funds: deposits excluding repos + marketed mutual funds. % change on a currency-neutral basis
34
ONE-OFF ITEMS AND PROFIT RECONCILIATION
9M'16 profit hit by several one-off items in the second
quarter
(1) In 2015 contribution to the Single Resolution Fund (due to change in the scheduled contribution dates) and Deposit Guarantee Fund (DGF)
recorded in December. In 2016: SRF in June and DGF in December
35
INCOME STATEMENT
Higher underlying profit underpinned by commercial
revenues and lower cost of credit (currency-neutral basis)
(1) One-off items and contribution to the SRF in 9M'16, due to change in the scheduled contribution dates. Net result of the reversal of provisions in
Brazil in 9M’15
36
On plan to deliver our 2016/2017 targets
(1) Currency neutral y-o-y change. (2) 2016(e), assuming an acceptance percentage of the script dividend equal to that in 2015
38
Santander Consumer Finance
Santander Consumer Finance is the European leader
in the consumer finance industry …
… fully owned by Santander, one of the largest
financial groups in the world
Its core businesses are car finance and consumer
finance (durables financing, personal loans and
credit cards) …
… distributed mainly through point-of-sales, and
direct-to-consumer channels such as internet,
telemarketing platforms and branches.
39
SCF is the European leader in the consumer finance
industry
SCF: Management Control Perimeter (includes SCUK).(1) By Market share in New Business car loans or durables (2) Excl. Banque PSA
Sep’16
• Present in 15 European countries
• Branches: 573
• Loans: €93 billion
• Deposits: €34 billion
• 2015 NAP: €1,093 million
• 9M’16 NAP: €935 million (+14% /9M’15)
• TOP 3 in 14 countries(1)
• Customers: 18 million(2)
• POS partners: 130 thousand
40
With recurrent profits despite the economic downturn
SCF: Management Control Perimeter (includes SCUK).
Net Attributable Profit€ Million
2009 2010 2011 2012 2013 2014 2015
All-time record profit result in 2015
In 9M’16, attributable profit of €935 million (+14% yoy)
472555
744
825
895 908
1,093
41
SCF is a significant contributor to Santander’s results,
representing 15% of the Group’s profit* in 9M’2016
SCF: Management Control Perimeter (includes SCUK).(*) Percentage over SAN underlying profit in 9M’2016, excluding Corporate Centre and Real Estate Activity in Spain.
SCF geographies in Europe
SCF
represents
15%of SAN
profit(*)
in 9M’16
• Austria
• Benelux
• France
• Germany
• Nordics
• Poland
• UK
• Italy
• Portugal
• Spain
• Switzerland
43
Well balanced between car and consumer loans, and
well spread across EuropeA
SCF: Management perimeter (i.e. including SCUK)
Diversification by products
Auto
-New
Auto-UsedDirect
Mortgages
Car Stock
Finance
Durables
Credit Cards
34%
22%
13%
4%
3%
8%
5%
10%
Other
Auto Finance Consumer Finance
Outstanding = €93 bn
(Sep’16)
Diversification by geographies
Germany
37%
15%12%
10%
8%
7%
4%7%
UK
Italy
Nordic
Countries
PolandOther
Spain
France
Outstanding = €93 bn
(Sep’16)
44
A
March 2016. Source: Internal estimates (Austria, Belgium, Germany, Netherlands, Nordics, Poland, Portugal, UK) and local associations (rest) France data as of Dic’15Management Control Perimeter (includes SC UK)
Critical mass and leadership in auto loans and
durables financing
• Critical mass and TOP 3 in 11 markets
• Top position in the 5 biggest European
auto markets: Germany, France, UK,
Italy and Spain. Accounts for 75% of
Europe’s car registrations
• Proven strategy in durables
• Key lever for customer capturing
and conversion activities
45
B
Management Control Perimeter (including SC UK)
Advanced car financing platform facilitating car
manufacturer captive agreements
Unique value proposition
versus peers:
• Presence in all European
markets
• Critical mass and TOP 3
positions
Extensive
car dealership
network
in Europe
Formal captive
arrangements
with car and bike
manufacturers in 15
European countries
47
COne of the best efficiency ratios in the industry, with
proven capabilities to make the most of integrations
Management Control Perimeter (including SC UK)Peers: CREDIT AGRICOLE Consumer Credit, BNP Personal Finance
49,8
50,5
47,5
47,0
43,9
42,9
Cost to Income
pan-European peers
• Germany
2008
2009
• Poland
2010
2011
• Spain
2014
• Germany • Benelux
• UK
• Germany
• Austria
• Finland
1H´2016
1H´2015• Norway
• Sweden
• Denmark
2014 …
• France
• Germany
• UK
• Italy
• Spain
• Poland
• Portugal
• Belgium
• Austria
• Netherlands
• Switzerland
2015 …
Peer 1
Peer 2
48
D
Management Control Perimeter (including SC UK). Risk Premium: Ratio (%) of average VMG (last 12 months variation in delinquency balance minus Net Write Offs for the period) to average portfolio (for a period of twelve months). (12-month VMG / 12-month Average Managed Loans) * 100.
Sound risk metrics
Risk Premium (%) NPL Ratio (%)
Coverage Ratio (%)
49
E
Management Control Perimeter (including SC UK)
Funding diversification
SCF’s funding structure
Sep’16• Capacity to do issuances in
all countries
• Diversification of deposits in
many countries
• Improvement of access cost
to markets
• Increase of long term
financing versus short term
1. Santander Consumer Bank AS, Nordic (“SCB Nordic”)
2. Risk Management
3. Financial information
4. Appendix: Banco Santander & Santander Consumer Finance
5. Appendix: Contacts
Content
51
• Anders Bruun-Olsen, CFO
• Phone: +47 21 08 37 70
• Mobile: :+47 95 76 83 28
• E-mail: [email protected]
• Priscilla Halverson, Capital Markets Director, Nordic
• Phone: +47 21 08 37 72
• Mobile: +47 92 06 58 75
• E-mail: [email protected]
• Anders Fuglsang, Capital Markets Manager, Nordic
• Phone: +47 21 08 30 44
• Mobile: :+47 950 42 128
• E-mail: [email protected]
• Joachim Joveng Rogne, Capital Markets Analyst, Nordic
• Mobile: :+47 48 23 86 32
• E-mail: [email protected]
• For more information:
• Santander Consumer Banks AS: www.santanderconsumer.no
• Santander Consumer Bank AB: www.santanderconsumer.se
• Santander Consumer Finance SA: www.santanderconsumer.com
• Banco Santander: www.santander.com
Contacts
52