Santander Consumer Bank S.p.A.

Santander Consumer Bank S.p.A. operates in Italy as part of the Santander Group. The company describes itself as belonging to one of the world’s largest financial groups and says its services are designed around customers’ needs. Its website presents a broad range of financial products for individuals as well as financing support for businesses that want to offer credit to their own customers. For individuals, the bank offers personal loans, online loans, salary-backed loans (cessione del quinto), savings accounts, leasing, long-term vehicle rental, insurance and financing for purchases such as cars, motorcycles and home-related projects. Its deposit products include the non-term IoPOSSO account and the term ioSCELGO account. Loan options listed on the site include debt consolidation and products with flexible repayment features. For businesses, Santander Consumer Bank says it provides financing that supports sales of goods and services. The company identifies automotive finance as a major area of experience and says its products help customers finance mobility. Its stated values are solidity, simplicity and familiarity. The supplied corporate pages also describe its governance framework and its emphasis on clear responsibilities, balanced powers, internal controls and prudent management. The available sources do not establish its founding date, headquarters, direct legal owner or current named executives.

The supplied material provides limited information about the company’s chronology, so it does not establish a founding date, early history, acquisitions or leadership changes. It identifies Santander Consumer Bank S.p.A. as a bank operating within the Santander Group and describes its role in providing financial services in Italy. The company’s current offering, as reflected in its website, spans personal loans and online credit, salary-backed loans, deposits, leasing, long-term vehicle rental, insurance and financing for purchases including cars and motorcycles. It also serves businesses through financing intended to support sales of goods or services. Santander Consumer Bank specifically highlights its experience in automotive finance and presents mobility as an important use of its products. Its corporate materials describe a governance approach centered on the board of directors, transparent communication of management choices, management of conflicts of interest and effective internal controls. The stated objectives include clearly allocating responsibilities, balancing powers, integrating controls, overseeing corporate risks and aligning remuneration with risk management and long-term strategy. The website also presents the company’s values as solidity, simplicity and familiarity. The company’s Italian website reports a network of 150 public-facing Santander locations and approximately 1,000 people available to customers. Those figures are presented by the company in the supplied “Chi Siamo” material; the available evidence does not provide a date for them. No additional dated turning points can be established from the supplied sources.

A customer-oriented member of the Santander financial group, offering consumer finance and savings products, with particular emphasis on automotive finance and digital access.

• Personal and online loans

  The website lists personal loans, online loans and several repayment or consolidation options.

• IoPOSSO and ioSCELGO deposit accounts

  The website presents a non-term deposit account called IoPOSSO and a term deposit account called ioSCELGO.

• Automotive finance and mobility services

  Offerings listed include car and motorcycle financing, leasing and long-term vehicle rental.

• Business sales financing

  The company says it supports businesses that want to provide financing for customers purchasing goods or services.

1. 1Santander: Finanziamenti e Prestiti Personalisantanderconsumer.it
2. 2Chi Siamo - Santandersantanderconsumer.it
3. 3Informazioni Corporate Santander: Struttura, Governance e Relazioni con gli investitorisantanderconsumer.it
4. 4Corporate Governance Santander - Struttura Organizzativa e Organi Socialisantanderconsumer.it