Santander Consumer Finance. February 2015

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1 Santander Consumer Finance February 2015

2 1 Banco Santander S.A. and Santander Consumer Finance advise that this presentation contains representations regarding forecasts and estimates. Said forecasts and estimates are included in several sections of this document and they include, among others, remarks on the development of future business and future returns. Although these forecasts and estimates represent our opinions regarding future business expectations, perhaps certain risks, uncertainties and other relevant factors may lead the earnings to be materially different from what is expected. Included among these factors are (1) the situation of the market, macroeconomic factors, regulatory and government guidelines, (2) variations in domestic and international stock exchanges, exchange rates and interest rates, (3) competitive pressure, (4) technology developments, (5) changes in the financial position and credit standing of our customers, debtors or counterparts. The risk factors and other fundamental factors that we have stated could have an adverse effect on our business and on the performance and earnings described and contained in our past reports, or in those that we shall present in the future, including those filed with regulatory and supervisory entities, including the Securities Exchange Commission of the United States of America. N.B.: The information contained in this publication has not been audited. However, the preparation of the consolidated accounts has been established on the basis of generally accepted accounting principles and criteria.

3 Santander Consumer Finance is a consolidated leader in the consumer finance industry 2 Dec 14 Loans: 68 billion Deposits: 31 billion 2014 NAP: 1,004 million Present in 13 countries Employees: 13,500 Branches: 579 TOP 3 in 12 countries (1) Customers: 17 million POS partners: 125,000 (1) By Market share in New Business car loans or durables

4 fully owned by Grupo Santander and specialized in auto financing diversified with consumer loans and credit cards 3 A leading global player in the consumer finance industry Its core business is car financing diversified with direct loans, consumer durables and credit cards specialized in third party point-of-sales distribution, complemented with direct-toconsumer channels (internet, telemarketing, ) and branches with a wide geographical and product diversification Fully owned by Santander, one of the world financial leaders

5 During the last difficult years, SCF has been able to increase its results 4 Net Attributable Profit Million

6 outperform its European peers in key variables 3Q13 YTD 3Q14 YTD 5 Outstanding 3Q14 YTD / 3Q13 YTD Bn Cost to income 3Q14 YTD % Number ,82% 59 37,22% 37,0% 37,2% 72-4,32% 44,94% 69 43,7% 44,9% 63 2,70% 46,14% 65 45,7% 46,1% PBT 3Q14 YTD / 3Q13 YTD Number 1 Number 1 mm ROA 3Q14 YTD % 907 7,46% 975 2,24% 2,17% 2,24% ,00% 0,39% 203 0,06% 0,39% ,41% 1,72% 824 1,47% 1,72% SCF: Consumer Finance perimeter BNP Personal Finance CREDIT AGRICOLE Consumer Credit Source: Quarterly reports ROA: PBT / Average Outstanding

7 and become a significant contributor to Santander s results, representing 13% of the Group s attributable profit* in FY SCF represents 13% of SAN attributable profit (*) Germany Nordics UK SCF geographies Poland Spain Italy Portugal Austria Benelux (*) Percentage over SAN operating areas FY2014 attributable profit, excluding Spain's run-off real estate

8 These results have been achieved thanks to SCF s proven business model, based on: Diversification Leadership positions in core markets and products Pan-European platform Efficiency leadership Strong risk & collections capabilities Sound funding structure & Capital position

9 1 Diversification SCF has a diversified portfolio across 13 key geographies and 7 main product lines 8 by geographies (%) by products (%) SCF outstanding 68 bn. (Dec 14) SCF outstanding 68 bn. (Dec 14) Durables Stock Finance Credit Cards and Others (1) Auto - New 24 Mortgages 13 Direct Auto-Used (1) Credit Cards and Other includes total SCF credit cards, as well as the following products per country: Spain: industrial goods and real estate; Germany: current accounts, adjustments to IFRS and intercompanies; Italy: salary assignments; Nordics: snowmobiles and boats

10 2 Leadership positions in core markets and has achieved critical mass and leadership positions in 9 of its core car loans markets and 7 of its core durable financing markets New Business Car Loans (New and Used Cars); percent Market position #1 #1 #1 #2 New Business Durables percent NOT EXHAUSTIVE 2013 Market position #1 #1 #1 9 #2 #2 #2 #3 #2 #1 #1 #2 #3 Local Consumer Finance Associations: Denmark, Finland, Sweden, Norway, Spain, Portugal and UK Internal estimates: Austria, Germany, Poland, Belgium and Netherlands

11 3 Pan-European platform SCF counts with a Pan-European platform, with clear competitive advantages, through which it has developed an extensive agreements network of more than 125,000 PoS partners and formalized 65 Finance Captive agreements with 12 car and bike manufacturers in Europe 10 Pan-European platform Wide geographical coverage Specialized sales forces per country Tailored product offerings for both Retail and Wholesale Customers Specific IT & Ops platforms for consumer financing Marketing value creation High risk analytics and remarketing capabilities Low cost-to-income provider Service quality oriented Global brand recognition Extensive agreements network of more than 125,000 PoS partners in Europe 65 Finance Captive Agreements with 12 car/bike manufacturers in 12 European countries

12 4 Efficiency leadership Additionally, SCF maintains its efficiency leadership through SAN s IT & Ops know-how and Factories Model leading to a better performance than its peers Manufacturing Manager s functions SAN Factories Cost to income 3Q14 YTD percentage 11 Technology Processes & change management Costs & Organisation Operations Technological & Operational Risk Facility management 37,2 44,9 Joint management of business systems and efficiency Factories allow to share common elements that contribute to reduce costs and risks 46,1 SCF: Consumer Finance perimeter BNP Personal Finance CREDIT AGRICOLE Consumer Credit Source: Quarterly reports

13 5 Strong risk & collections capabilities SCF s strong risk analytical capabilities and leading collections platform have allowed it to maintain sound Risk Metrics 12 Dec'14 Risk premium 0,82% NPL Ratio 4,60% Coverage 101% Healthy balance sheet, concentrated in credits, without the risks of trading portfolios, financial assets, etc. 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. NPL Ratio: (Delinquency Balance / Managed Loans ) * 100 Coverage Ratio: (Loan Loss Reserves / Delinquency Balance) * 100

14 6 Sound funding structure & Capital position SCF funds its recurrent activity in optimal term and cost conditions to avoid unwanted liquidity risk through a diversified funding structure in a highly demanding environment SCF s funding structure % of Total sensitive liabilities December

15 In summary, SCF is the European leader in consumer finance and counts with clear competitive advantages for the new cycle constantly increasing earnings NAP Mn high geographic diversification % loans by country (Dec 14) product diversification % loans by product (Dec 14) 14 critical mass and TOP3 positions in core markets best in class risk metrics easy access to funding markets and solid Capital & Liquidity Ratios Risk Premium (%) 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.

16 15

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