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Analysis of social and environmental risk in credit operations


Banco Santander considers social and environmental issues to be key in risk analysis and decision-making processes for its financing operations.

The Bank has implemented processes to identify, analyse and evaluate credit operations governed by Group policies that are based on the Ecuador Principles, to which the Bank has been a signatory since 2009 after the approval of the board of directors.

The Bank's migration in 2014 towards the new obligations arising under the updated Equator Principles III (EPIII) has required to redefine its internal detection and analysis processes for the transactions.

In addition, and as a direct result of the broader universe of transactions now subject to EPIII, the Bank has prepared an e-learning course, which close to 3,000 employees must complete.

Report Equator Principles 2016 (PDF 49 Kb)

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