22/12/2025

It’s that special time of year where we look back proudly on everything we’ve achieved together in 2025 and, above all, thank everyone who forms part of the Santander family. It's been a year of progress, transformation and major challenges.

Over the past 12 months we’ve continued to drive our transformation, ramp up the bank’s digitalization, bolster our global platform, and build on key projects like Openbank, all while maintaining the close support and trust that we’re known for in the markets where we operate. Our aim is clear: to offer simple, personalized and responsible solutions to our customers.

We want to give a huge thanks to our 200,000-plus Grupo Santander employees. Your dedication, talent and ability to adapt ensure we remain a leading financial group.

We also want to thank our millions of customers — retail, entrepreneurs, SMEs, large corporates, and institutions. Thank you for trusting us to manage your finances, drive your projects, and be by your side at pivotal moments in your personal and professional lives. All our efforts are geared towards continuing to enhance your experience and add more value every day.

We also extend our thanks to our shareholders and investors, who believe in Santander’s business model and back our long-term strategy. Your loyalty enables us to keep investing in growth, innovation and continuous improvement to create value responsibly over time.

2025 has reminded us of how important it is to stand with our communities in the most difficult times. That’s why we continue to support social and educational initiatives for the most vulnerable groups and reinforce our commitment to people and the markets we serve.

Looking ahead to 2026, we’re renewing our purpose to help people and businesses prosper where we have presence. Our best wishes to you and yours for the new year! Happy holidays!

Happy holidays!