Santander Share MAD 11,93€ -1.24% 11:00
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Business model

We’re creating shareholder value by focusing on delivering profitable growth responsibly.

We want to be the best digital and open financial services platform by acting responsibly and earning the lasting loyalty of employees, customers, shareholders and broader society. Our purpose is to help people and businesses prosper. We strive to make sure that everything we do is Simple, Personal and Fair.

Three competitive advantages that make us unique

We have a multichannel offer of products and services to meet all our customers' financial needs.

Our global and in-market scale helps us improve our local banks' profitability, adding value and network benefits.

  • By customer: We serve a broad range of customers, from individuals to SMEs and large companies. And we offer a wide variety of products and services such as cards, loans, and wealth management.
  • By geography: Our geographic footprint is well balanced between mature and emerging markets.
  • By balance sheet: Santander has a solid, simple and diversified balance sheet, which consists mainly of collateralized loans with low market exposure and is largely funded by retail deposits.

Three pillars to unlock the full value of our business model

We aim to be the number 1 bank by number of customers in our footprint.

Changing the model using Global Platforms, to improve customer experience with a lower cost to serve, creating the flywheel that will continue to drive customer growth and primacy.

enable us to accelerate our revenue growth by harnessing network effects across our footprint and across our global businesses.

Global businesses

Founded in 1857, Santander is a bank headquartered in Spain. We are structured into five global businesses and operate in 9 core markets in Europe and the Americas.

We’re one of the world’s largest banks by market capitalization and are listed on stock exchanges in Mexico, Spain, the UK and the US. We offer banking and financial products and services to individuals and small and large enterprises through online channels and branches.

We have 182 million customers, 185,279 employees, and 3.5 million shareholders worldwide. As a responsible bank, we focus on areas where our operations may have a positive impact on inclusive and sustainable economic growth.

*Data as of June 2026

 
Retail & Commercial Banking
Corporate & Investment Banking
Payment Solutions
Openbank
Wealth Management & Insurance

Our strategy

Three pillars

We are in a phase of value creation, driven by higher profitability and underpinned by three tenets:

  1. We want to become the leading bank across our footprint and to maximize shareholder value.
  2. We want to be our customer’s bank of choice.
  3. We’re building ONE Santander to harness our unique combination of global strength and local leadership.

Note: the board of directors intends to: i) apply an ordinary shareholder remuneration policy for 2026 to 2028 results that entails allocating approximately 50% of the Group’s underlying profit (excluding non-cash, non-capital ratios impact items), split approximately evenly between cash dividends and share buybacks for 2026 results; and ii) distribute any excess capital to shareholders at the end of the 2026-2028 period. From 2027 results, the ordinary shareholder remuneration policy is expected to comprise around 35% of the Group's underlying profit (on the same basis) in cash dividends and around 15% in share buybacks. The execution of the ordinary shareholder remuneration policy and the distribution of any excess capital to shareholders at the end of the 2026-2028 period is subject to corporate and regulatory decisions and approvals.
(1) vs. 2025.