The Pfandbrief 2011 | 2012

Santander Consumer Bank AG
Santander-Platz 1
41061 Mönchengladbach
Telephone: 0180 5 55 64 99
Telefax: 0180 5 55 64 98
Internet: www.santander.de
Shareholder:
Banco Santander S.A.,
Madrid (100%),
indirect
For more than 50 years the Santander Consumer Bank AG has been operating in the German market
as an established provider for financial services in private customer business. The bank is the largest
non captive bank for cars, motorbikes and (motor-) caravans in Germany. Moreover the bank is also a
market leader for consumer good financing. The broad range of financial products is distributed by more
than 300 branches or via TeleCenter and Internet. Over 7 million customers trust in Santander Consumer
Bank AG, a hundred percent daughter company of Banco Santander S.A., Madrid, which is a worldwide
operating major bank.
The acquisition of the German retail business of SEB AG in January 2011 by the Santander Consumer
Bank AG provides the perspective to become a full-service retail bank. Especially the advanced branch
network and the acquired mortgage loan portfolio with a volume of almost 7 billion Euro are a solid basis
for the expansion of the business model. The Santander Consumer Bank AG is planning to apply for the
license to issue German mortgage Pfandbriefe and to issue frequently Pfandbriefe.
Rating*: Moody‘s Standard & Poor‘s Fitch Ratings
Long-term liabilities Aa2 AA AA
Outlook negative negative stable
Short-term liabilities P-1 A-1+ F1+
Financial strength B- - A/B
* Currently no stand-alone rating – therefore ratings of Banco Santander S.A., Madrid, are indicated
158
Selected key figures*
Total assets
2010
€ million
31,543
2009
€ million
26,698
Mortgage loan portfolio
8
7
Mortgage loan portfolio
8
7
Commercial loans
0
0
Total funds outstanding (registered and bearer bonds)
Unsecured bonds
41
49
Own funds as shown in the balance sheet – total –
Core capital (without net income)
1,491
1,371
Profit-sharing capital
227
233
Subordinated liabilities
207
213
Net interest income
1,005
922
Fee and commission income
312
333
Other operating result
13
19
Administrative expenditure
-493
-503
Operating result before provisions for risks
837
771
Net Provisions for risks
-369
-363
Operating result after provisions for risks
468
408
Profit after tax
433
407
* all values based on the individual account
Presence in electronic media: www.santander.de / www.santanderbank.de /
www.santander.com / www.santanderconsumer.com
Contacts:
Robert Wagner, Board Member, CFO Tel.: + 49 2161 690 - 9885 robert.wagner@santander.de
Dr. Arnd Verleger, Executive Vice President Tel.: + 49 2161 690 - 9885 arnd.verleger@santander.de
Frank Kührt, Director of Financial Markets Tel.: + 49 2161 690 - 5395 frank.kuehrt@santander.de
Ulrich Haak, Head of Treasury Tel.: + 49 2161 690 - 5397 ulrich.haak@santander.de