Santander Consumer Finance

🎧 Don’t miss this! #Unleashed, a fictional audio thriller released by Santander. "Alice is an ordinary woman whose entire existence undergoes a radical change when she becomes the target of a cybercrime that takes her down a dark path..." Banco Santander have launched Unleashed, a podcast series to raise awareness about #cybersecurity where #AI and technology are the perfect pairing for cybercrime. Once you start you won't be able to stop listening! 🔊 Bonus track: This podcast is also available in Spanish under the name of  #Titania! The first season was released a few months ago, and now you have the second season available too! Find all episodes of season 1 in English here 👉 Unleashed S1: https://lnkd.in/dE9eXb8X Find all episodes of season 1 and season 2 in Spanish here 👉 Titania S1: https://lnkd.in/djcpVQjW Titania S2: https://lnkd.in/dP5rs79X

A new edition of one of our iniciatives to foster online security is here! Test yourself with this interactive experience and boost your #cyber-fraud #security knowledge with these day-to-day simulations 👇

🚀 Closing our Young Leaders Program 2024: our most promising talents successfully completed their participation! A journey that began last March and, for nine months, has helped our SCF participants to strengthen not only their leadership skills and personal brand, but also overcome major obstacles such as the language barrier and work in a multicultural environment. A learning and collaboration space where our #YoungLeaders, in addition to building a global network of contacts, have been able to know the necessary tools to ensure that they can contribute with a positive impact to Santander’s future challenges. For four days, our participants have enjoyed the expected immersive week in Madrid, during which they had the opportunity to meet our CEO, Vicky Roig, with whom they could exchange experiences and a vision of our strategy. These days have been a fantastic opportunity for our twelve SCF participants to get to know each other, share ideas, better understand each other’s realities and exchange best practices. 🎉 Thank you all for your commitment and making this an unforgettable meeting! Looking forward to the next one! 

Openbank, Grupo Santander’s fully digital bank, has officially launched in Mexico! With a competitive offer of debit and savings products, no minimum balance, and one of the world’s most advanced technology platforms, Openbank is set to revolutionize the banking experience in Mexico. Customers can enjoy competitive returns on savings, 24x7 telephone support, and free access to over 10,000 Santander México ATMs. This launch underscores Grupo Santander’s commitment to innovation and its strategic focus on expanding in high-potential markets for digital banking like Mexico. Discover more about this exciting development and how it benefits our customers and the Group. Read the full press release here: https://lnkd.in/egD-ytAf #Openbank #GrupoSantander #DigitalBanking #Innovation #Mexico

🚗 Annual Auto Convention 2024   For the 13th time we have successfully celebrated our annual Auto Business Convention! This year’s event took place last week in Málaga with around 100 participants, including industry leaders and Santander's Auto Business representatives from Europe, Canada, the US, LATAM and China. A two-day meeting with intense discussions centered on #automotive, #mobility trends and key growth initiatives to be implemented in the forthcoming years. Our Auto Business senior leaders, Bruce Jackson and Edgar Mayoral, set the stage alongside Markus Collet & Amelia Bradley from Corporate Value, sharing their view on the automotive landscape and outlook. Additional speakers from industry leaders like Kia, Triumph, Volvo, Uber and Astara added a lot of value to the event. With an industry in constant change, this convention was the pit stop for key stakeholders to map out the road ahead. It lived up to its promise, providing a dynamic space for networking, collaboration and gaining insights into the future of auto finance!

📈 EARNINGS 9M24 | Nine months into the year, Digital Consumer Bank, Santander’s global business which encompasses the group’s consumer finance activity worldwide, generated an attributable profit of €1,507 million, a 4% increase year-on-year in euros (+5% in constant euros), mainly driven by operational leverage from solid performances in net interest income and net fee income and good cost control, which more than offset lower residual values in auto and the cost of risk normalization.   #Loans increased 5% year-on-year in constant euros, +7% in #auto in a market that is recovering. #Deposits rose 12% in constant euros, in line with our strategy aimed at lowering funding costs and reducing net interest income volatility across the cycle, to be able to offer our customers better pricing.   🎯 To respond to the changes that the #mobility and #consumerfinance ecosystem is undergoing, we continue to transform our operating model: - Offering global and best-in-class solutions, integrated into our partners' processes, accompanying them as their increasingly digital business models evolve. We continue to work on improving cross-regional partnerships and consolidating new partnerships by leveraging existing agreements. - Simplifying and automating our processes to improve customer experience and increase scalability. - Building and developing global platforms (#leasing, #Zinia,…).   As part of our profitable growth strategy, we continue to capture deposits, a lower cost and more stable source of funding, and actively manage our balance sheet to make it more capital light.   Read more here 👇

This year's Santander International Banking Conference went through some of the key ingredients to ensure our economy can continue growing – and grow faster – even amid disruption 👇

Santander reports profit of €9,309 million (+14%) for the first nine months of the year. More information below 👇

🛡 Cybersecurity is a global challenge for people and businesses alike. Online safety, which includes technology, data, information and behaviour, is key to prosperity. At Santander, we analyse threats and come up with solutions alongside our stakeholders to tackle the issue from several angles. Discover more here 👇 https://lnkd.in/deBuNEY7

Banco Santander, in collaboration with Omar Montes, launched the #LouderTogether initiative last July to identify and nurture emerging musical talent from Generation Z on TikTok. With the participation of Santander Argentina, Santander Brasil, Santander Chile, Santander España, Santander México, Santander Portugal, and Santander Uruguay, over 3,500 entries were received from these seven countries, and five exceptional artists were chosen to represent the best of Gen Z creativity. Yesterday, LoudT debuted their first single, "Dime", and its music video—an exciting culmination of cross-border collaboration, creativity, and dedication. This initiative underscores Santander’s commitment to empowering the next generation, supporting their ambitions, and providing them with the tools and platforms to achieve their dreams. We want to be a facilitator for Gen Z, connecting with them through their preferred channels and fostering their collaborative spirit as they take their first steps towards success. Find out more at https://lnkd.in/dPg2PY8v #LouderTogether #Santander #GenZMusic #EmpoweringYoungTalent