Our balanced geographic diversification has been key to generating predictable, stable growth over the years. Santander operates in 10 main markets where it has high market shares: Spain, Germany, Poland, Portugal, the United Kingdom, Brazil, Mexico, Chile, Argentina and the United States. It also has a significant market share in Uruguay and Puerto Rico, consumer financing businesses in other European countries and a presence in China through wholesale banking and consumer finance business.

Santander's global business divisions develop products that are distributed through the Group's commercial networks, meeting the needs of customers around the world.