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We are creating value for our shareholders by focusing on delivering profitable growth in a responsible way.
We aim to be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders, and communities. Our purpose is to help people and businesses prosper. We strive to make all we do Simple, Personal and Fair.
Our strategy aims to create value for all our stakeholders. Our talented and engaged team generates customer loyalty, leading to strong financial results for our shareholders, so we deliver support for our communities, which motivates our team.
Our business model is based on three pillars:
01. Customer focus:
Building a digital bank with branches
New operating model to build a digital bank with branches, with a multichannel offer to fulfil all our customers' financial needs.
total customers
active customers
total customers
active customers
02. Our scale:
Local and global scale
- Our global and in-market scale helps us to improve our local banks' profitability, adding value and network benefits.
- Our activities are organized under five global businesses: Retail & Commercial Banking (Retail), Digital Consumer Bank (Consumer), Corporate & Investment Banking (CIB), Wealth Management & Insurance (Wealth) and Payments.
- Our five global businesses and our presence in Europe, DCB Europe, North America and South America support value creation based on the profitable growth and operational leverage that ONE Santander provides.
03. Diversification:
Business, geographical and balance sheet
Well-balanced diversification between businesses and markets with a solid and simple balance sheet that gives us recurrent net operating income with low volatility and more predictable results.
Our strong model is reflected in the resilience of our business. It is a competitive strength that continues to differentiate us.
Building a more responsible bank by embedding ESG
To build a more responsible bank and strengthen customer loyalty, we are embedding our approach to environmental, social and governance issues across the Group, in our strategy and our culture.
Our corporate culture
The Santander Way remains unchanged to continue to deliver for all our stakeholders
Our aim
To be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities.
Our purpose
To help people and businesses prosper.
Our how
Everything we do should be Simple, Personal and Fair.
