As 2023 comes to an end, we want to thank our employees, customers, shareholders and investors for another year of progress together and for the trust they place in us every day.

During this holiday season, we would like to thank everyone who contributes to fulfilling our purpose to help people and businesses prosper.

To our 212,000-plus employees in the countries where we operate –an engaged and talented team that reflects the diversity of today's society–, for their work to serve our customers better and faster every day.

To our 166 million customers –individuals, SMEs, mid-market companies and large corporates, as well as private banking, institutional clients and universities–, for their trust in Santander. Consistent quality of service, customer experience and satisfaction are the cornerstones of our strategy.

To our shareholders and investors, for your confidence in our business model with unique competitive advantage –customer focus, global scale and local leadership, and geographic and business diversification– and strong financial results to create value.

Finally, as part of our commitment to create value for all, we also continue to collaborate with our communities. We continue to make headway with good causes and support to vulnerable groups.

We work together to reduce gaps and move towards a more diverse and inclusive world, based on the principles of equal opportunity and non-discrimination.

To all of you, we hope 2024 brings you prosperity.

Happy holidays!

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