Santander's Global Operations

Geographical Diversification

Santander is present in more than 40 countries and is geographically balanced between mature and emerging markets. This enables it to maximise revenues and earnings over the entire economic cycle.

The Bank is present in three areas, each with its own currency for managing business: the euro in Continental Europe, sterling in the UK and the dollar in the Americas. Furthermore, development of the global business areas enables staff, best practices, products and services to be quickly transferred.

Exploiting this global bank model together with corporate managment of IT, operations and other functions means the Group is worth more than just the sum of its parts, resulting in a greater creation of value for the Bank's shareholders and customers.

Commercial Focus

Santander is a very business-orientated bank, with high revenue and earnings recurrence. The focal point of its business model is its customers; they are provided with a broad range of high value added products and services.

Service quality is a priority for Santander and maximum customer satisfaction its overriding objective. The proportion of satisfied customers in retail banking is 86.2%, generating greater linkage, loyalty and higher revenues per customer.

Santander has a wide range of innovative financial products and services with which to satisfy the needs of customers, be they individuals, small firms or large corporations.

Santander's 13,390 branches make it the international bank with the world's largest branch network. These branches are visually the same, making a point of contact with customers recognisable anywhere.

Santander has more than 170,000 people serving more than 90 million customers. The Bank's human resources policy focuses on attracting, training and retaining the best talent. International careers, training, leadership, solidarity and reconciling work and family life are some of the advantages the Bank offers to all employees.