Santander maintained its business growth across almost all its markets
- Gross loans and advances to customers excluding reverse repos rose 4% year-on-year in euros and in constant euros, with eight of the 10 core countries growing, particularly developing markets (+10% overall).
- Customer funds increased 6% year-on-year both in euros and constant euros, with rises in nine of the 10 core countries. Widespread growth in deposits excluding (excluding repos) and mutual funds.
EUROPE
| Gross loans and advances | Funds | |
|---|---|---|
| UK | 26% | 22% |
| SPAIN | 22% | 33% |
| SCF | 11% | 4% |
| PORTUGAL | 4% | 4% |
| POLAND | 3% | 4% |
| OTHER EUROPE | 4% | 2% |
NORTH AMERICA
| Gross loans and advances | Funds | |
|---|---|---|
| USA | 11% | 8% |
| MEXICO | 4% | 4% |
SOUTH AMERICA
| Gross loans and advances | Funds | |
|---|---|---|
| BRAZIL | 8% | 12% |
| CHILE | 5% | 4% |
| ARGENTINA | 1% | 1% |
| URUGUAY AND ANDEAN REG. | 1% | 1% |
 SANTANDER GLOBAL PLATFORM |
Funds 1% |
% over operating areas. September 2019.
ACTIVITY
Sep'19 vs. Sep'18. % CHANGE IN CONSTANT EUROS
Gross loans and advances to customers excluding reverse repos.
Customer deposits excluding repos + mutual funds.
BALANCE SHEET
MILLION EUROS| % change vs. Sep'18 | |||
|---|---|---|---|
| Sep'19 | EUR | Constant EUR |
|
| Gross loans and advances to customers* | 900,134 | 4.4 | 3.9 |
| Customer deposits** | 776,668 | 6.2 | 5.9 |
| Mutual funds | 176,538 | 7.5 | 6.5 |
| Customer funds | 953,206 | 6.4 | 6.0 |
**Excluding repos.
Customers
The Group’s strategy is driving growth in loyal and digital customers:
- Santander’s strategy continued to focus on boosting the number of loyal customers. Their number rose again in the third quarter and reached 21 million, 1.8 million more than September 2018 (+10%), with individuals up 10% and companies 5%.
- The faster pace of digitalisation is producing notable growth in digital customers, whose number increased by 6.1 million (+20%) in the last 12 months to more than 36 million. There was also strong growth in the number of online and mobile phone accesses in the first nine months to 5,742 million (+27% year-on-year) and in monetary and voluntary transactions to 1,634 million (+25%).