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Company Profile
Santander Consumer Finance SA – Company Profile
Santander Consumer Finance SA (SCF), a subsidiary of Banco Santander, S.A., is a consumer finance company that offers financial service solutions to car dealers, retailers, and consumers. It provides auto finance for new and used cars and provides credit for the acquisition of new and used cars in stock. The company provides loans for personal and durable goods; co-branded credit card and stock card; industrial equipment leasing; deposits; and debt consolidation services. It also offers payment protection and car insurance...
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Sector Analysis
France Retail Banking: Opportunities and Risks to 2023
France’s total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a healthy compound annual growth rate (CAGR) of 4.4% during 2014-18 to reach €1,401.6bn ($1,605.6bn). The majority of France’s loan balances outstanding are from home loans, with residential mortgage balances outstanding accounting for 80.2% of total balances outstanding in 2018, followed by personal loans (19.4%) and credit cards (0.4%). Credit card usage is low among French consumers, but has picked up in...