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  "documentTitle": "OP 2020 03 17 morgan stanley european financials conference 2020 santander executive chairmans presentation only available in english en",
  "authorId": "MorganStanley",
  "authorName": "Santander",
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  "sourceTypeSlug": "equity_research",
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  "pageNumber": 9,
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  "notes": "The slide uses a split-period comparison (2013-2014 vs 2018-2019) to show long-term trends.",
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  "components": [
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      "kind": "callout",
      "text": "Since 2014, underlying profit has grown by 42% while CET1 FL increased by €22Bn (+47%).",
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      "text": "Avg. Euribor 12M trend line",
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      "text": "Underlying profit: 8,252",
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      "text": "(1) Statutory attributable profit to the Group. (2) Source Bloomberg average Euribor 12 month per year. (3) For comparison purposes, capital ratio is calculated by applying Basel III (BIS II 11.71%). (4) Data calculated using the IFRS 9 transitional arrangements",
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      "text": "Financial performance table showing Underlying profit, Attributable profit, Underlying RoTE, Avg. Euribor 12M, and CET1 FL for 2013, 2014, 2018, 2019 and growth since 2014.",
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      "kind": "title",
      "text": "Doubled profits and increasing CET1 since 2013",
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