The heads of Santander's five global businesses talk about 2023 earnings

In September 2023, we announced our last step towards ONE Santander, to build five Global businesses.

Our new common operating model will capture the full potential of our in-market and global value.

By pooling our investments and resources across our five global businesses, we unlock significant value:

  • improving efficiency structurally by implementing a common operating model and investing more efficiently in technology and operations…
  • …while we improve customer experience and gain market share…
  • …creating sustainable profitable growth