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

Santander, founded in 1857, is a leading retail and commercial bank headquartered in Spain. It is structured into five global businesses and has a notable presence in 10 key markets in Europe and the Americas.

Since January 2024, Santander has been structured into these five global businesses: Retail & Commercial Banking, Digital Consumer Bank, CIB, Wealth, and Payments. It’s the final component of ONE Santander, a simpler and more efficient operating model that enables us to harness the potential of our local and global markets to grow profitably and enhance customer service. It also enables us to nurture relationships between subsidiaries and regions by sharing strengths and technology and commercial know-how.