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Supporting communities
Our activity helps people and businesses prosper and contributes to the economic, social and sustainable development of the communities we serve.
Powering growth and jobs
At Santander we promote economic growth and job creation in the markets where we operate by providing loans to people and businesses. Moreover, we support local suppliers and distribute our profits to shareholders and broader society.
1. Financing customers’ and project needs
to help buy homes
homes financed
to purchase other goods
to set up businesses or help them grow, of which €131.77bn went to individuals and SMEs
to help buy homes
homes financed
to purchase other goods
to set up businesses or help them grow, of which €131.77bn went to individuals and SMEs
Credit stock as at 31 December 2024
2. Creating jobs and supporting local suppliers
in June 2025
paid in salaries and benefits
paid to suppliers*
in June 2025
paid in salaries and benefits
paid to suppliers*
*89% are local and account for 88% of total procurement
3. Paying taxes and distributing profits
in taxes paid by the Group
in taxes channelled from third parties to tax authorities
of underlying profit allocated to shareholder remuneration
in taxes paid by the Group
in taxes channelled from third parties to tax authorities
of underlying profit allocated to shareholder remuneration
Social action
We work closely with the third sector (NGOs and other not-for-profit organizations) at meetings, interviews, forums and awareness days to maintain healthy and constant dialogue and spot opportunity for collaboration to address the real needs of society.
Our main lines of action
Financial education
Enhanced knowledge and understanding of financial products and services.
Vulnerable people
Reduced risk of exclusion and better quality of life for vulnerable people.
Arts and culture
Promote cultural events and programmes.
Financial inclusion
Financial health and inclusion are a priority for Santander in contributing to social progress and promoting prosperity and entrepreneurship.
Our target is to financially include 5 million people between 2023 and 2025*
*through access and finance initiatives (not including financial education programmes).
Our main lines of action
Access
Our ambition is to facilitate access to basic financial services for groups that are not banked or poorly banked, encouraging their use, adapting them to their needs and the barriers they face and supporting them to have greater control over their finances and enjoy faster and safer operations.
We have initiatives that promote access to cash and transactions, digital access and financial solutions for vulnerable groups, among others.
Financing
We work to facilitate access to credit for SMEs and entrepreneurs with difficulties, especially in underserved communities via microcredit. Through initiatives such as Prospera Brasil in Brazil and Prospera Colombia in Colombia, Tuiio in Mexico and Surgir in Peru, we support the economic development of vulnerable people.
We also seek to finance the basic needs of low-income people through tailored products, such as affordable housing programs or measures to relieve financial tensions, including mortgage deferral. In addition, we also offer loans for individuals and SMEs with limited access to the financial system.
Financial health
We define financial health as the ability of people to manage their finances to meet their short-term needs and long-term goals, achieving stability to avoid situations of financial stress.
We have initiatives in all countries that promote the resilience, planning, security or financial control of our clients, especially the most vulnerable.
The solutions available to our clients include tools to improve money management, calculators and debt advisors, which together with financial education act as triggers to improve the financial health of our clients by making informed decisions.
Corporate volunteering
At Santander we encourage our employees to volunteer in initiatives that help the communities where we have a presence.
working hours volunteered
working hours volunteered
These initiatives, which the Group promotes and supports, seek to get employees to dedicate their time and use their skills and talent to support charitable causes, non-profit projects and organizations that benefit society.
Corporate volunteering is a valuable way for employees to engage with the community and contribute to a social cause. In particular, it aims to:
- contribute to the Group’s community support objectives through the direct involvement of Group employees in volunteering programmes;
- foster a culture of inclusion by breaking down prejudices and stereotypes;
- enhance our employees’ skills and work environment through collaboration; and
- contribute to the well-being of our employees through experiences that provide satisfaction, purpose and pride of belonging.
