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At Santander, we follow regulation and public policy debates closely given their direct impact on our operations and stakeholders. We are heavily involved in matters of importance to the financial system and in wider debates on topics such as digital transformation, innovation, climate change and the transition to a sustainable economy.
As part of this activity, engaging with our stakeholders is essential to understand their concerns, set our priorities, and identify opportunities and areas for improvement. We engage both globally, at the corporate level, and locally, in the countries where we have a significant presence. Santander's international footprint is an advantage that enables us to anticipate the positive and negative consequences of regulations that are implemented in the countries where we operate and to share these experiences with our stakeholders.
Areas of interest
Banking
How to ensure banks continue to carry out its fundamental role of financing the economy and growth in a competitive and profitable way, contributing to the financial stability of the countries.
Digital
- How to harness the full potential of the digital economy to deliver innovative payment and investment solutions that meet our customers’ needs.
- How to ensure that fraud, cyber risk, and digital rights violations do not undermine the benefits of digitalization for society.
Sustainable economy
How to Enable the transition towards a sustainable economy. Tackling climate change is a key priority at Santander and we support the Paris Agreement goals. This approach is aligned with our policy priorities focused on ensuring the adequate framework is in place so that banks can support the transition of the economy and the prosperity of the communities in which we operate.
Consumers & Society
- How to assure consumer protection or how to offer products and set prices in the most competitive way without damaging economic growth.
- How to foster financial literacy and financial inclusion in the communities we operate.
- What challenges and opportunities are behind the social public debates.
- How can they motivate new regulations.
Competitiveness & growth
How banks contribute to increase the economic growth, based on productivity and competitive gains of the economies, in which Santander operates and bearing in mind the international geopolitical landscape.
Santander’s role in key debates
Our contribution to various relevant debates on economics, regulation, public policies, and other aspects related to our areas of interest.
Growth and Competitiveness in Europe
Ana Botín, Executive Chair
The Future of Finance
Héctor Grisi, Vice Chair and Chief Executive Officer
Digital Finance in 2025: Trends, Challenges, and Policy Priorities
Bárbara Navarro, Group Head of Research, Public Policy and Institutional Relations
Future of Growth
Global growth remains slow, with projections at 3.3% for 2025, which is markedly lower than the global growth trend of around 4% in the past 30 years.
AI and the economy: where do we begin?
Juan Cerruti, Global Chief Economist– Santander
Try, and do something
José Antonio Álvarez, Vice Chair of the board of directors
A sustainability framework that supports growth and competitiveness in Europe
Lara Inés de Mesa Gárate, Group Head of Sustainability
Energy supply is critical but business must also reduce demand
Ana Botín, Executive Chair
The challenges that will shape the future
Héctor Grisi, Vice Chair and Chief Executive Officer
From high-level policy objectives to day-to-day payments
José Antonio Álvarez, Vice Chair of the board of directors
Navigating the digital wave in financial services: a difcult regulatory balance
Bárbara Navarro, Group Head of Research, Public Policy and Institutional Relations
The global economy, between the “supermacro” and geopolitics: Who’s wrong?
Juan Cerruti, Group Chief Economist
Transition requires growth, joint action and greening the brown, with the regulatory framework as an enabler
Lara Inés de Mesa Gárate, Group Head of Sustainability
Europe at a crossroads. Recommendations to make the European economy more competitive
Alicia Sánchis, Head of EU Government Relations
EU Comp: Actions speak louder than words do
José Antonio Álvarez, Vice Chair of the board of directors
What we know (and what we don't) about the year 2025: the year of divergence?
Juan Cerruti, Group Chief Economist
External view
Within Santander Insights you'll find a compilation of third-party content about key national and international issues in various the economy, financial sector, tax, responsible banking, digitization, and other areas.
*The opinions expressed in the third-party content, as well as the summaries of those included in this section, do not represent the position of Banco Santander.
*The provision of third party content is for general information purposes only and does not constitute a recommendation or solicitation to purchase or sell any product or insurance policy or make any other type of purchase or decision. For more details, please visit our Legal Notice section.
Public registers, trade associations and think thanks
Santander is registered in the EU transparency register, and adheres to the EU code of conduct for organizations engaged in EU policy making and implementation. We also participate in a number of think tanks and industry and business associations in the countries where we operate. Please find below an overview of Santander's principal memberships:
Events
Santander organizes and participates in public events to share its views on financial, economic and public policy issues or any of the topics of interest described in this section.