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    Juan Pablo López Cobo

    Research Analyst at Banco Santander

    Juan Pablo López Cobo is an Equity Research Analyst at Banco Santander specializing in the European financials sector, with a particular focus on insurance, asset management, and banks. He covers major listed companies including MAPFRE and BPER Banca, providing market insights and participating in corporate earnings call Q&As. With Banco Santander since at least 2024, López Cobo is frequently referenced in industry investment updates and maintains a recognized presence among corporate management and institutional clients. While publicly available metrics on success rates or performance rankings are limited, his analyst work is regularly cited in research coverage; details about specific professional licenses or FINRA registrations are not publicly listed.

    Juan Pablo López Cobo's questions to ING GROEP (ING) leadership

    Juan Pablo López Cobo's questions to ING GROEP (ING) leadership • Q2 2025

    Question

    Juan Pablo López Cobo from Banco Santander requested more detail on expense initiatives like KYC and contact centers, the expected payback from the wholesale banking restructuring, and the drivers of the upgraded ROE guidance, specifically the contribution from net income versus lower equity.

    Answer

    CEO Steven van Rijswijk detailed various digitalization initiatives using AI and GenAI for KYC, contact centers, and coding. He specified the €85 million wholesale restructuring provision would yield €40 million in annualized benefits starting in 2026. CFO Tanate Phutrakul attributed the higher ROE outlook to a more fee-intense revenue mix and operating at the lower end of cost guidance, which both improve profitability.

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