Drive Financial Services

Santander Consumer Finance is a leading consumer finance company present in 18 countries worldwide, from mature to emerging markets: Austria, Belgium, Brasil, the Czech Republic, Denmark, Finland, Germany, Hungary, Italy, Netherlands, Norway, Poland, Portugal, Puerto Rico, Russia, the Slovak Republic, Spain, Sweden, UK and USA. We are part of Santander, one of the largest financial groups in the world. Santander Consumer started as a stand alone division in 2001. More than 7,700 professionals provides the best consumer finance products and services to 10 million customers and more than point of sale partners. We offer a wide range of consumer finance solutions mainly thorough point-of-sales, where we have developed a unique expertise, and direct-to-consumer channels such as branches, internet and telemarketing platforms. Our current size, presence in different countries and diversified portfolio provides us with competitive advantages: Pan-European and American scale with a strong and solid platform for expanding business Efficient distribution network, allowing transformation of indirect customers into direct customers Strong credit procedures, efficient recovery process and strong parent company rating (i.e: low cost of funding) Diversified portfolio of products and geographically In 2007 the pre-tax results for the group of companies that make up Santander Consumer came to €1,051.4 million. Net profit rose 27.1% to €719 million, underlining the continuous growth of our company.