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SAN share (Madrid) Positivo_GB 4.355 | 1.06% | 17:35

We carry out our business responsibly, by contributing to the economic and social progress of the communities in which we are present. We manage our environmental impact and we foster stable relationships with our main stakeholders.


Companies have a responsibility to create value by taking into account the positive and negative effects of their decisions on their environment.


Access to education, employability, driving university entrepreneurship and modernising universities are its main areas of action. It also carried out numerous local community support programmes, in many of which participation by the Group’s professionals was encouraged as a way of promoting solidarity, motivation and pride in belonging.

These programmes included:

  • Local initiatives to support pre-school education, particularly in Latin America where the Bank co-operates in projects that support each country’s education programmes. Projeto Escola (in Brazil) and Becalos (in Mexico) are two examples.
  • Financial education programmes that convey to children the importance of saving, prepare young people for an independent life and help families to take basic financial decisions.
  • Programmes to combat social exclusion and tackle poverty, vulnerability and marginalisation, such as the social projects in Spain and Discovery Grants in the UK.


Banco Santander, which is unique among banks for its firm support of higher education, invests more in supporting education than any other private company in the world.

Support for university progress

  • Grants and social impact: over 290,000 grants have been awarded since 2005 under various grant programmes in 21 countries promoting excellence, international mobility, equity and university access, research and initial contact with the labour market. Because education is synonymous with progress and with fairer and more competitive societies.
  • Digitalisation and modernisation of universities: Santander Universities’ digital strategy aims to encourage the modernisation of universities and to foster and boost their programmes and initiatives in social networks. This strategy includes the development of software to enhance services and meet the new demands of the university community in digital environments; such as AppCrue in Spain, which registered 51,426 downloads at 11 universities in 2017, and offers a wide range of services, such as consulting academic grades, timetables, accesses and library catalogues.
    Furthermore, the new global entrepreneurship community, Santander X, based on a digital platform which is currently being developed and is evolving, already has its first 8,000 followers in its related social networks, such as JointheX. The various channels of Universia and Santander Universities had 3,041,796 followers worldwide at year-end 2017.
  • Employability: Training, achievement and excellence should be the basis of personal and professional progress, the instruments that help young people to be more employable and competitive in professional environments that are increasingly variable, digital and dynamic. This is why Santander Universities and Universia carry out initiatives that help young people join the labour market, develop their skills, know where to find new job opportunities and develop their talents. This also includes the promotion of equity and inclusion through the opportunities offered by the Universia Foundation.



Santander supports and promotes financial inclusion as a way of contributing to the well-being of the countries in which it operates. To this end, the Bank promotes major microfinance programmes in countries such as Brazil, Mexico and Argentina.

In its relationships with the university community, the Bank develops specific products and services so that students may access a wide range of basic financial services.



Tuiio, a new financial inclusion initiative in Santander Mexico
Launched in October 2017, Tuiio is a financial inclusion programme for people with low incomes which aims to have a measurable social impact through a broad and expanding range of interconnected products (from microcredits to microinsurance, remittances, payments and other services, etc.) supported by its own branches, agents, AT Ms, point of sale terminals and use of electronic banking. The initiative includes a programme of training and financial education for its customers, with the aim of maximising their skills, developing their potential and optimising their use of resources.



Prospera in Brazil for microenterprises
Through the Prospera programme in Brazil, Santander encourages small businesses to grow and therefore helps the underprivileged and those with a lower standard of living to escape from poverty. Loans are mainly granted to informal microenterprises that have no access to credit.

  • 70% of microcredits are granted to female breadwinners.
  • They are granted to solidarity groups of three or four people.
  • The average amount is EUR 300, with no need for additional guarantees.
  • The average term is eight months.
  • Active portfolio of over 170,000 customers.
  • 30 branches and 300 employees serve 700 municipalities.




Firm commitment to the environment
Banco Santander is firmly commited to the environment and the fight against climate change, which is reflected in various lines of action, such as the analysis of social and environmental risks in funding transactions, the development of products and services with a positive environmental impact and the measurement of its internal environmental footprint.

The Bank continued to reduce its consumption, waste and emissions, meeting its targets for reduction set in the 2016-2018 Efficiency Plan. The Bank continued to implement its policies for sensitive sectors such as energy, soft commodities and defense, and in 2017 approved a new policy on mining and metallurgy.

In 2017 the Bank subscribed to the banking sector's main initiative for implementing the reporting recommendations of the Task Force on Climaterelated Financial Disclosures (TCFD) of the Financial Stability Board, under the auspices of the United Nations Environment Programme.

Project finance.-As a contribution to the transition to a lowcarbon
economy, the Bank participated in 2017 in the financing of new renewable energy projects such as photovoltaic plants and windfarms with a installed capacity of 3,390 megawatts (MW).


Proyect Finance

Presence in sustainability indices