v Q4 2018 Investor Presentation Santander Consumer Bank Nordic Group February 2019
Who we are Santander Consumer Bank AS is a Nordic bank with more than 1,500 colleagues in Sweden, Norway, Denmark and Finland, with a long history in the Nordics, and with global strength by being a part of Banco Santander. We are one of the largest Nordic banks providing loans and credits, credit cards, deposits and insurance to private customers. We work with the best people in an engaged, challenging and passionate organization, which provides great opportunities for professional growth. 2
Regulated in Norway, owned by Banco Santander Santander SCB AS is Consumer regulated Bank AS by the Fitch/Moody’s Norwegian A-/A3 FSA Santander Banco Consumer Santander S.A. Finance S.A. Fitch/Moody’s/S&P Fitch/Moody’s/S&P A-/A2/A A-/A2/A- Santander Santander Santander Consumer Consumer Consumer Bank Sweden Bank Denmark Finance Finland (Branch) (Subsidiary) (Branch) 3
Q4 2018 | Key Figures Gross Core Capital Total Profit Before Outstanding CET1 1 Deposit Tax Loans 162.8 15.7 54.6 4,134 NOK Billion Per cent NOK Billion NOK Million People 2 Customers Return on Partners Assets 3 5,051 +5,600 1,535 1.53 2.8 Merchants Car Dealers Employees Million per cent Source : SCB Group 2018 Annual Report and Management Figures 1) Adjusted for IFRS9 transitional rules 2) Headcount includes permanent and temporary employees 3) Return on Assets = PBT / ANEA 4
History ELCON Finance Bankia Bank acquired (credit cards) A leading Norwegian company within equipment ELCON Finance becomes GE Finland acquired leasing, factoring and auto Santander Consumer (auto finance, Deposits launched in financing Bank AS (SCB) consumer loans) Denmark (2014) 1963 2005 2009 2015 2004 2006/07 2012/13 2017 Santander Consumer Consumer loans in Launch consumer SCB merges with Solidified position in Finance S.A. acquires Sweden (2012) and GE Money Bank loans Norway sales finance with ELCON Finance Denmark (2013) SCB becomes the onboarding of Skandiabanken Bilfinans Company Deposits launched in leader within car Elkjøp/Elgiganten, acquired in Denmark demerges and auto finance is Norway and Sweden (2013) finance and Power and Media (auto finance) retained in Norway and unsecured loans in Markt Start up auto finance in Sweden the Nordic region Finland 5
Executive Committee Anders Michael Knut Øvernes Bo Jakobsen Juan Calvera Bruun-Olsen Hvidsten MD Norway MD Denmark IT & Ops Knut has held various Bo joined Santander in 2007 Nordic Chief CEO Director business management and was key to start up the Financial Officer positions in GE Money Bank business in Denmark the Michael started in GE and Santander since he same year. Previously, he (first in GE Capital, Juan has held various Anders has held several senior started in 1996. held several leadership roles later in GE Money leadership positions positions within banking institutions within the financial industry. Bank) in 2000, where like DNB, Eksportfinans and within IT and Operations he held various key Handelsbanken. He joined since joined Santander position within risk Santander in 2011. in 2011. management. He joined Santander in 2005 as Nordic Chief Peter Martin Brage Andres Diez Trond Debes Risk Officer, and was appointed Nordic Sjöberg CEO in 2012. MD Sweden Chief Risk HR & Legal Martin joined GE in 1999. Officer Director MD Finland With his long and extensive Peter has 20 years’ experience within the financial Andres has held Trond started in GE Money experience from banking sector and Santander, he has different leadership Bank in 2002. He has and financial services. He built up years of experience positions within Risk been responsible for has held several leadership within auto and unsecured. and Credit. Joined Legal, Communications, positions in SCB. Joined Santander in 2007. Compliance and HR in Santander in 2010. various leadership positions. 6
Corporate Social Responsibility We engage in a broad spectrum of activities that contribute to UN’s Sustainable Development Goals Ensure healthy lives and promote well-being for all Ensure access to affordable, reliable, sustainable and modern energy Across the Nordics SCB supports people, events and organizations that encourages, inspires and invites a broad base We engage in collaborations to innovate new and more of people to physical activity and camaraderie. environmental friendly mobility solutions, and we add the commercial strength to bring them to the market. “Team Rynkeby ” a charity cycling team that raise money for children with critical illnesses In 2013 Santander pioneered the All-in-One product suite in Finland, speeding up renewal of one of the oldest car parks in Engaging employees in “ Kræftens Bekæmpelse ” , the Danish Europe. Cancer Society. We developed the IT solution to enable online sales of the all Supporting the Finnish “ Icehearts ”, an organization that uses electric Nissan Leaf - helping it to be last year's single most team sports as a tool for engaging children with social work. sold car model in Norway. Ensure inclusive and equitable quality education Take action to combat climate change and its and promote lifelong learning opportunities for all impacts by regulating emissions and promoting developments in renewable energy SCB has for a long time been a Gold partner supporting Right To Play , an organization that protects, educates and In 2018, SCB partnered with CHOOOSE , a global leader in empowers children to rise above adversity using the power of retiring carbon credits and a platform for climate action, play. Right To Play plays for change in five key areas; Quality battling the core problem of climate change – emissions from education, gender equality, health & well -being, child big polluters protection and peaceful communities. SCB has been certified as “ Miljøfyrtårn ” since 2009, Right To Play partners with Ministries of Education and local meaning that we are compliant with all requirements regarding organizations to incorporate play-based learning into the health, environment and safety, procurement, transportation, education system, allowing more children to rise. waste handling and energy consumption. 7
Products Unsecured Deposits Insurance Auto & Leisure Insurance products related Loans, credit cards and Saving products with high Loans and financial services to payment protection, auto, sales finance services interest rates provided to provided to private health and travel, offered to offered to private customers private customers customers and car dealers private customers 8
Gross lending and distribution by product Total Auto and Unsecured Credit Card 4% Consumer Loan 18% Total Unsecured 21% Auto Private Persons Non Std. Auto 60% Total Auto 7% 79% Auto SME 11% Source : SCB Group 2018 Annual Report and Management Figures 9
Partnerships a key success factor On the high score on the MRF2018 Dealer survey: 5,051 merchants, 35 brokers, “ Kia Finance have developed many new products, which have + 5,600 car dealers and 22 Brands positively impacted the score ” — Peter Himmer , MD Kia Motors Sweden AB “I’ve seen Santander work in a way that is not typical to a bank. You always take and run with our targets” — Stefan Andström , Sales Director, Nissan Nordic, Helsinki 10
Financials
Q4 2018 | Santander Group key figures Santander Group Santander Consumer Finance Subgroup Total assets 1.46 (€ trillion) Loans 106 (€ billion) Profit After Tax 7,810 (€ million) Profit After Tax 1,421 (€ million) Customers 144 (million) Customers 20 (million) Headcount 202,713 Headcount 15,772 Branches globally 13,217 European countries 15 Source : Banco Santander and Santander Consumer Finance Q4 2018 Institutional Presentation 12
Q4 2018 | SCB Group overview Portfolio and results by region Norway Finland % of Gross Outstanding Loans Nordic Q4 2018 Auto Auto 48.2 Bn 31.4 Bn Loans Loans Result Unsecured Unsecured 2.8 Bn 11.0 Bn Loans Loans 21% Profit 664 MM 1,606 MM Profit Before Tax 36% Before Tax Finland 163.4 Bn Norway Gross Outstanding Denmark Sweden 4,134 MM Auto Auto 26.0 Bn 22.8 Bn Loans Loans Profit Before Tax 23% Unsecured Unsecured 6.2 Bn 14.4 Bn Loans Loans Sweden 20% Profit Profit 1,010 MM 854 MM Before Tax Before Tax Denmark Source : SCB Group 2018 Annual Report (All figures in NOK) 13
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