We want to help people and businesses prosper in a Simple, Personal and Fair way, to earn the lasting loyalty of our people, customers, shareholders and communities.

Message from Ana Botín Group Executive Chairman

“The benefits of our strategy are now clear: we have successfully delivered on the targets we set in 2015, generating growth, profitability and financial strength”

Santander’s aim as a bank is to be the best open financial services platform by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities. We shall achieve this by being Simple, Personal and Fair in all we do. By doing this, we will fulfill our purpose: To help people and businesses prosper.

Message from Jose Antonio Álvarez Vice chairman and Chief executive officer

“The Group is well placed to face the new challenges of the international financial sector”

Our geographic diversification has proved to be vital in generating recurring and foreseeable results. Our leading position in most countries is enabling us to capture economies of scale and be the benchmark in the main markets.

Our success is based on a clear purpose, aim and approach to business. We are building a more responsible bank

Our purpose icon

Our purpose

To help people and businesses prosper.

Our aim as a bank icon

Our aim as a bank

To be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities.

Our how icon

Our how

Everything we do should be Simple, Personal and Fair.

By building loyalty, and acting responsibly, we generate value for all our stakeholders

People

202,713 employees more motivated and engaged employees...

Customers

144 million make our customers more satisfied and loyal...

Shareholders

4.1 million driving profitability and sustainable growth...

Communities

6.3 million people supported resulting in higher investment in the community...

Highlights in 2018

A responsible bank that helps address major global challenges

Santander was ranked third in the world and first in Europe among banks in the Dow Jones Sustainability Index.

“By delivering on our purpose, and helping people and businesses prosper, we grow as a business and we can help society address its challenges too. Economic progress and social progress go together. The value created by our business is shared – to the benefit of all.”

Ana Botín

Ana Botín

Challenge 1:
New business environment

Adapting to an evolving world

Challenge 1

Challenge 2:
Inclusive and sustainable growth

Helping society achieve its goals

Challenge 2

Corporate governance

Gobierno corporativo

We have a strong commitment to continuously strengthening our corporate governance framework and further improving its soundness and effectiveness in the coming years.

Economic and financial review

Economic and financial review

The Group’s profitability continues to be one of the best among European banks with a RoTE of 11.7%.

Risk management

Risk management

Risk management and control is key in ensuring that we remain a robust, safe and sustainable bank aligned with the interests of our employees, customers, shareholders and society.

Auditors’ report and consolidated annual accounts

Auditors’ report and consolidated annual accounts

In 2018, the Group generated an attributable profit of EUR 7,810 million.