QUARTERLY SHAREHOLDER REPORT
OCTOBER - DECEMBER
2015

"In 2015, we have delivered ahead of plan in the right way, growing revenues by improving customer service and increasing loyal and digital customers."

ANA BOTÍN, GROUP EXECUTIVE CHAIRMAN, BANCO SANTANDER
firma presidenta

SHARE ACTIVITY

Santander’s share price closed at €4.56 per share at year-end 2015.

Key share price information

OPENING

(31/12/2014)

7.00

MAXIMUM

(07/04/2015)

7.17

MINIMUM

(14/12/2015)

4.45

CLOSING

(31/12/2015)

4.56

Key factors shaping share price performance

  • Difficulties caused by the situation in Greece.
  • Slowdown of the Chinese economy.
  • Lower expectations for emerging markets.
  • Falling oil prices.
  • Exchange rate changes.
  • Interest rate forecasts.

International ranking by market capitalisation

At year end, Banco Santander was the leading bank in the euro area by market value, with a market cap of €65,792 million.

SHAREHOLDER BASE

Banco Santander has 3.6 million shareholders, located mainly across Europe and the Americas.

Number of shareholders

332,882


more shareholders in the year.

Capital stock ownership 31 December 2015

Institutional investors

56.25%

The board of directors

1.24%

Individuals

42.51%

Geographical distribution of share capital 31 December 2015

Europe

82.4%

America

17.1%

Rest of the world

0.5%

DIVIDENDS

Santander plans to pay its shareholders a total return of 20 euro cents per share from 2015 earnings. This will be distributed as follows:

1st

payment

Paid in August 2015 as a cash dividend.

5 euro cents/share.

2nd

payment

Paid in November 2015 through the Santander Scrip Dividend Scheme.

5 euro cents/share.

3rd

payment

Scheduled for February 2016 as a cash dividend.

5 euro cents/share.

4th

payment

Scheduled for May 2016 as a cash dividend.

5 euro cents/share.



RESULTS

Underlying net attributable profit amounted to 6,566 million euros in 2015, 13% more than in the same period of 2014 (+10% in constant euros). Attributable profit after the net impact of non-recurring capital gains and provisions made in the year was 5,966 million euros, 3% more than in the same period of 2014.

datos acción inicio

Revenue rose backed by net interest income and fee income.

datos acción inicio

Inflation-adjusted and with no change in perimeter costs were broadly unchanged.

datos acción inicio

Fall in loan-loss provisions and improvement in cost of credit.

Underlying attributable profit

Attributable profit rose in most units, particularly in the large ones.

Quarterly underlying attributable profit*

*Excluding non-recurring capital gains and provisions.

More information

*Excluding non-recurring capital gains and provisions.

Activity



Loyal customers
(million)

Retail loyal customers
(million)

SMEs & corporate loyal
customers
(million)

Digital customers
(million)



Balance Sheet

Total business managed and marketed at year-end 2015 stood at 1,506,520 million euros, of which €1,340,260 million related to assets on the balance sheet and the rest mutual funds, pension funds and managed portfolios.

Increased commercial activity and customer loyalty fed through to growth in lending and customer funds.


Lending rose by 6% year-on-year in constant euros, with increases in 9 of the 10 main geographical areas and both individuals and companies.

% of total of operating areas. December 2015.
Customer funds up 7% in constant euros, with all geographical markets faring well and following a strategy of growing demand deposits and mutual funds.

% of total of operating areas. December 2015.


More information

NEWS

Click on the box for more information.

General Shareholders' Meeting

Keys items for the next meeting.

Shareholder remuneration

Check the next dividend payment date.

Santander Shareholders and Investors app

The fastest way to stay informed.

Keep up to date with the Group at www.santander.com

SIMPLE, PERSONAL AND FAIR

Our initiatives in 2015 have made us more Simple, Personal and Fair:

Assisting you at all times.
22,336 individual services provided and 656,963 queries answered.

Informing you about the share price and the Group.
Through 11 channels.

Sharing charity and educational initiatives with you.
Support for projects to help children, more than 40 scholarships for university students and 1,000 trees planted.

Involving you in the Bank’s progress.
Maximum level of participation at the General Shareholders’ Meeting, with 60% of share capital represented.

Offering you exclusive products and services.
141,000 shareholders already enjoy the advantages offered on the “I am a shareholder” webpage.

Browsing with you to head up the digital transformation.
New corporate website, new commercial website and Santander Shareholders and Investors app.

Listening to your opinions.
To keep up with your expectations.

Always ...


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