The document is a strategy presentation by Ana Botin, Group Executive Chairman of Banco Santander, S.A. given on February 3rd, 2015. It outlines Santander's strategy to be the best retail and commercial bank by earning the lasting loyalty of customers, employees, shareholders, and communities. The presentation discusses the new banking environment, Santander's current position, and strategic priorities around customers, employees, communities, and shareholders. Key goals include growing the number of loyal retail and corporate customers, improving customer satisfaction, and achieving a return on tangible equity of 12-14% by 2017.
Santander simplifies its corporate structure and reduces its corporate divisi...BANCO SANTANDER
Banco Santander’s board of directors today approved changes that simplify its corporate structure, reducing the number of divisions from 15 to 11, while further enhancing risk management. These changes will contribute to improve the bank’s ability to respond to customers’ needs and to accomplish the ambitious financial and business targets it has set.
Santander simplifies its corporate structure and reduces its corporate divisi...BANCO SANTANDER
Banco Santander’s board of directors today approved changes that simplify its corporate structure, reducing the number of divisions from 15 to 11, while further enhancing risk management. These changes will contribute to improve the bank’s ability to respond to customers’ needs and to accomplish the ambitious financial and business targets it has set.
Santander Q1 profit reaches EUR 1.633 billion, 5% less year-on-year and up 8%...BANCO SANTANDER
Banco Santander registered attributable profit of EUR 1,633 million in the first quarter of 2016, a 5% decrease compared to the same period of 2015. This decline is due to the depreciation against the euro of the currencies of all the countries where the Group is present, except the dollar. Without the exchange rate impact, profit would have increased 8%.
Presentacion Resultados 2016
Banco Santander obtuvo en 2016 un beneficio atribuido de 6.204 millones de euros, un 4% más que el año anterior, gracias al fuerte crecimiento de los ingresos por comisiones y a la mejora en la calidad del crédito, factores que se vieron contrarrestados por la debilidad de algunas divisas con respecto al euro y por la subida de impuestos en Polonia y Reino Unido.
Santander Q1 profit reaches EUR 1.633 billion, 5% less year-on-year and up 8%...BANCO SANTANDER
Banco Santander registered attributable profit of EUR 1,633 million in the first quarter of 2016, a 5% decrease compared to the same period of 2015. This decline is due to the depreciation against the euro of the currencies of all the countries where the Group is present, except the dollar. Without the exchange rate impact, profit would have increased 8%.
Presentacion Resultados 2016
Banco Santander obtuvo en 2016 un beneficio atribuido de 6.204 millones de euros, un 4% más que el año anterior, gracias al fuerte crecimiento de los ingresos por comisiones y a la mejora en la calidad del crédito, factores que se vieron contrarrestados por la debilidad de algunas divisas con respecto al euro y por la subida de impuestos en Polonia y Reino Unido.
UX, ethnography and possibilities: for Libraries, Museums and ArchivesNed Potter
These slides are adapted from a talk I gave at the Welsh Government's Marketing Awards for the LAM sector, in 2017.
It offers a primer on UX - User Experience - and how ethnography and design might be used in the library, archive and museum worlds to better understand our users. All good marketing starts with audience insight.
The presentation covers the following:
1) An introduction to UX
2) Ethnography, with definitions and examples of 7 ethnographic techniques
3) User-centred design and Design Thinking
4) Examples of UX-led changes made at institutions in the UK and Scandinavia
5) Next Steps - if you'd like to try out UX at your own organisation
How to Become a Thought Leader in Your NicheLeslie Samuel
Are bloggers thought leaders? Here are some tips on how you can become one. Provide great value, put awesome content out there on a regular basis, and help others.
Santander destina 6.400 millones de crédito a las pymes catalanas dentro de s...BANCO SANTANDER
El Director General y Responsable de Santander España, Enrique Garcia Candelas, aseguró hoy que el banco espera alcanzar este año 6.400 millones de nueva producción de crédito en Cataluña dentro de su iniciativa de impulso a las pymes, Santander Advance, la estrategia con la que el banco aspira a convertirse en socio de referencia para el crecimiento de las pequeñas y medianas empresas.
Santander España lanza la Cuenta 1|2|3 Mini para niños y jóvenes hasta 18 años BANCO SANTANDER
Las oficinas de Banco Santander en España inician desde hoy la comercialización de la Cuenta 1|2|3 Mini dirigida a los más pequeños de la familia. La Cuenta Mini viene a completar la estrategia 1|2|3, lanzada en mayo del año pasado con el fin de aumentar la vinculación de los clientes y liderar la nueva forma de hacer banca en España y que ya alcanza el millón de cuentas contratadas.
bsan.es/1ouP51g
Santander, sexta marca bancaria internacional más valiosa del mundoBANCO SANTANDER
Santander es la marca bancaria más valiosa de Europa continental, Latinoamérica y España, y la sexta del mundo entre las entidades financieras internacionales, según el informe anual “Brand Finance Global 500” de 2017. Brand Finance es la consultora líder a nivel mundial en valoración y asesoramiento estratégico de marca. El valor de la marca Santander subió a 15.929 millones de dólares en 2016, un 2% más que el año anterior. Su rating en este ranking se ha establecido en AA+, uno de los rangos más valiosos posibles.
Los universitarios iberoamericanos consideran que sus países conceden una pri...BANCO SANTANDER
Los cerca de 11.000 universitarios de España, Portugal y América Latina participantes en el sondeo sobre “Universidades creativas e innovadoras”, realizado en el marco del III Encuentro Internacional de Rectores Universia, conceden en su mayoría una puntuación media y baja, tanto a la prioridad que sus países conceden a la innovación tecnológica, como a la aportación de las universidades, gobiernos y empresas a la capacidad de innovación tecnológica en sus países.
Earnings Presentation 2016
Banco Santander generated attributable profit of €6,204 million during the year, an increase of 4% compared to 2015, with strong growth in fee income and improvements in credit quality, partially offset by the weakening of certain currencies against the Euro and an increase in tax in both Poland and U.K. Excluding one off items and currency movements, underlying profit before tax increased by 12%.
After a tumultuous period for global retail banking, consumers are demanding more than ever before from their banks, and have never been more willing to switch to rivals if the service they receive fails to meet their expectations. Our comprehensive data and in-depth insight into consumer needs, attitudes and behaviors will help you target your investment budgets more profitably, prepare you for the future, and provide inspiration for innovative product development.
Informe Capital Markets 2020, elaborado por PwC, a partir de una encuesta realizadas a 250 directivos del sector financiero -bancos, banca privada, brokers, hedge funds, fondos de pensiones, entre otros- en todo el mundo.
The information, concepts and analysis contained herein are provided to you on a confidential basis and are
considered proprietary to Global Business Intelligence (GBI). The facts of this Guide are believed to be
correct at the time of publication but cannot be guaranteed. The information herein reflects prevailing market
conditions, listing Sponsor input, and our judgment as of this date, both of which are subject to change. As
such, Global Business Intelligence cannot accept any liability whatsoever for actions taken based on any
information that may subsequently prove to be incorrect.
This Guide is intended as a basis for discussion and thought provoking ideas and does not constitute
recommendations by GBI.
Santander InnoVentures makes its first investment in Brazil via digital lendi...BANCO SANTANDER
Santander InnoVentures, the fintech venture capital fund of Santander Group, announced today an investment in the startup Creditas, the leading Brazilian secured lending platform. This is Santander InnoVentures’ first investment in Brazil and second in Latin America.
Fundación Repsol beca con el apoyo de Fundación Universia a trece universitar...BANCO SANTANDER
Trece estudiantes universitarios, ocho de grado y cinco de máster, han sido seleccionados en la IV Convocatoria de Becas Fundación Repsol destinadas a personas con discapacidad para la realización de estudios superiores en áreas técnicas. Fundación Universia ha colaborado un año más en el proceso de convocatoria y selección de los becados.
Santander recupera la gestión de los cajeros automáticos y de las tarjetas de...BANCO SANTANDER
Santander rehace las alianzas que Banco Popular mantenía con terceras entidades para recuperar la gestión de negocios estratégicos y facilitar la integración, con el foco puesto en la mejora de la experiencia del cliente. La entidad ha alcanzado un acuerdo con Euro Automatic Cash, sociedad propietaria de los cajeros de Popular, que permite a todos los clientes del Grupo Santander (Santander, Popular, Pastor y Openbank) utilizar gratuitamente una red total de 7.500 cajeros en España. Desde octubre, los clientes de Popular ya podían utilizar gratuitamente los cajeros propiedad de Santander, pero aún faltaba por cerrar el acuerdo con esta sociedad, necesario para que los clientes de Santander tuviesen también acceso, sin coste, a la red de cajeros de Popular.
Santander renueva la imagen de marca para reforzar su estrategia digitalBANCO SANTANDER
La presidenta de Banco Santander, Ana Botín, ha presentado hoy en la junta de accionistas la nueva imagen de marca de la entidad, más moderna y adecuada a los canales digitales y el móvil, para adaptarse al nuevo entorno, transmitir mejor la nueva cultura corporativa y reforzar la estrategia de convertirse en una plataforma digital y abierta de servicios financieros, con el objetivo de alcanzar la cifra de 30 millones de clientes digitales en 2018.
Santander InnoVentures invierte en Roostify, una startup que permite formaliz...BANCO SANTANDER
Santander InnoVentures, el fondo de capital emprendedor en tecnología financiera de Grupo Santander, ha anunciado hoy una inversión en Roostify, una empresa emergente con sede en San Francisco (California) que permite digitalizar todo el proceso para formalizar el contrato de una hipoteca, e incluso hacer las gestiones con el móvil. Roostify se fundó en 2014 para acelerar y simplificar la firma de las hipotecas y eliminar el uso de papel, además de reducir costes en el proceso.
Álvaro Antonio Cardoso de Souza to join Banco Santander's board of directorsBANCO SANTANDER
The board of directors of Banco Santander, in a meeting held yesterday in San Francisco (USA), called this year’s Ordinary Shareholders’ Meeting, which is expected to take place on second call on March 23rd. The agenda for the shareholders’ meeting includes the appointment of Álvaro Antonio Cardoso de Souza as an independent member of the board. He is currently non-executive chairman of the board of Santander Brasil.
Álvaro Antonio Cardoso de Souza se incorporará al consejo de administración d...BANCO SANTANDER
El consejo de administración de Banco Santander, reunido ayer en San Francisco (Estados Unidos), ha convocado la próxima Junta General Ordinaria de Accionistas, que previsiblemente se celebrará el 23 de marzo en segunda convocatoria. El orden del día de la Junta prevé el nombramiento como consejero independiente de Álvaro Antonio Cardoso de Souza, actual presidente no ejecutivo del consejo de administración de Santander Brasil.
Más de 20.000 personas en situación de vulnerabilidad reciben el apoyo de Ban...BANCO SANTANDER
En línea con su misión de contribuir al progreso de las personas, las empresas y la sociedad, Banco Santander ha contribuido durante 2017 a la mejora de la calidad de vida de más de 20.000 personas en situación de vulnerabilidad mediante su Programa Santander Ayuda, que promueve a través de la Fundación Banco Santander.
O santander obtém um lucro atribuído de 6.619 milhões de euros em 2017, uma s...BANCO SANTANDER
O Banco Santander S.A. (‘Santander’) obteve um lucro atribuído de 6.619 milhões de euros em 2017, representando um aumento de 7% face ao ano anterior, após registrar um encargo líquido de mais-valias e saneamentos de 897 milhões. O crescimento dos resultados reflete a qualidade e recorrência das receitas, o bom controle de custos e as melhorias na qualidade de crédito.
O Santander registrou tendências positivas nos negócios, com aumentos das receitas em oito dos seus dez mercados principais. As receitas totais subiram 10%, para 48.392 milhões de euros, com crescimentos da margem de juros e das receitas por comissões de 10% e 14%, respectivamente. Os custos de exploração aumentaram a um ritmo menor do que as receitas, permitindo um incremento da margem líquida de 12%.
Santander attributable profit for 2017 reaches 6,619 million euros - up 7%BANCO SANTANDER
Banco Santander S.A. (‘Santander’) increased attributable profit by 7% to €6,619 million during 2017 after €897 million of net capital gains and provisions, with growth driven by further improvements in the quality and recurrence of revenues combined with good cost control and an overall strengthening in credit quality. The Group continued to see positive trends across its businesses, with revenues increasing in eight of its ten core markets. Total income increased by 10% to €48.4 billion with net interest income and fee income increasing by 10% and 14% respectively. Operating expenses increased at a lower rate than revenues, leading to a 12% increase in net operating income.
Resultados 2017 Santander obtiene un beneficio atribuido de 6.619 millones de...BANCO SANTANDER
Banco Santander S.A. (‘Santander’) obtuvo un beneficio atribuido de 6.619 millones de euros en 2017, lo que supone un aumento del 7% respecto al año pasado, tras registrar un cargo neto de plusvalías y saneamientos de 897 millones. El crecimiento de los resultados refleja la calidad y recurrencia de los ingresos, el buen control de costes y las mejoras en la calidad crediticia. Santander registró tendencias positivas en los negocios, con incrementos de los ingresos en ocho de sus diez mercados principales. Los ingresos totales subieron un 10%, 48.392 millones de euros, con crecimientos del margen de intereses y de los ingresos por comisiones del 10% y del 14%, respectivamente. Los costes de explotación aumentaron a un ritmo menor que los ingresos, lo que permitió un incremento del margen neto del 12%.
Santander lanza la primera gama de fondos de inversión sostenibles en EspañaBANCO SANTANDER
Banco Santander incorpora a su oferta de productos de inversión colectiva una gama nueva de fondos para responder a la demanda creciente de inversión responsable y sostenible. El banco lanza esta semana dos nuevos fondos mixtos, bajo la gama Santander Sostenible, e inicia así un camino para convertirse en una referencia en España en este ámbito.
Banco Santander, líder mundial en el Bloomberg Gender Equality IndexBANCO SANTANDER
Banco Santander se mantiene un año más su presencia en el Bloomberg Gender-Equality Index (GEI), índice de referencia en el ámbito internacional que valora las políticas e iniciativas de las empresas en el fomento de la diversidad, entre sus empleados, clientes y sociedad.Con una valoración total de 93,4 puntos sobre 100, Banco Santander ocupa el primer puesto en este índice de un total de 104 entidades participantes de diferentes sectores (finanzas, comunicación, energía, bienes de primera necesidad, materiales, tecnología, etc…)
El programa Explorer impulsará las ideas de más de 1.200 jóvenes emprendedore...BANCO SANTANDER
Esta semana ha comenzado la actividad en los 52 Explorer Spaces distribuidos por toda España y Portugal en el marco del programa Explorer ‘Jóvenes con ideas’, impulsado por Banco Santander a través de Santander Universidades y coordinado por el Centro Internacional Santander Emprendimiento (CISE). El Explorer Space que el programa posee en la Universidad de Buenos Aires, Argentina, iniciará las sesiones en marzo.
Santander y su filial Bank Zachodni WBK adquieren el negocio de banca minoris...BANCO SANTANDER
Banco Santander S.A. (“Santander”) y su filial en Polonia, Bank Zachodni WBK (“BZ WBK”), han anunciado hoy que han acordado la compra del negocio minorista y de banca privada de Deutsche Bank Polska, S.A. (excluyendo su cartera de hipotecas en divisa extranjera e incluyendo las acciones de DB Securities, S.A. (Poland)) por un importe total estimado de 305 millones de euros.
Santander, Crue y CEPYME convocan 5.000 becas de prácticas profesionales remu...BANCO SANTANDER
La presidenta de Banco Santander, Ana Botín, el presidente de Crue Universidades Españolas, Roberto Fernández, y el presidente de la Confederación Española de la Pequeña y Mediana Empresa (CEPYME), Antonio Garamendi, han firmado un acuerdo para desarrollar la séptima convocatoria de las ‘Becas Santander-Crue-CEPYME Prácticas en Empresa’.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
2. Important information
Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking
statements are found in various places throughout this presentation and include, without limitation, statements concerning our future
business development and economic performance. While these forward-looking statements represent our judgment and future
expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual
developments and results to differ materially from our expectations. These factors include, but are not limited to: (1) general market, macro-
economic, governmental and regulatory trends; (2) movements in local and international securities markets, currency exchange rates and
interest rates; (3) competitive pressures; (4) technological developments; and (5) changes in the financial position or credit worthiness of
our customers, obligors and counterparties. The risk factors that we have indicated in our past and future filings and reports, including those
with the Securities and Exchange Commission of the United States of America (the “SEC”) could adversely affect our business and
financial performance. Other unknown or unpredictable factors could cause actual results to differ materially from those in the forward-
looking statements.
Forward-looking statements speak only as of the date on which they are made and are based on the knowledge, information available and
views taken on the date on which they are made; such knowledge, information and views may change at any time. Santander does not
undertake any obligation to update or revise any forward-looking statement, whether as a result of new information, future events or
otherwise.
The information contained in this presentation is subject to, and must be read in conjunction with, all other publicly available information,
including, where relevant any fuller disclosure document published by Santander. Any person at any time acquiring securities must do so
only on the basis of such person's own judgment as to the merits or the suitability of the securities for its purpose and only on such
information as is contained in such public information having taken all such professional or other advice as it considers necessary or
appropriate in the circumstances and not in reliance on the information contained in the presentation. In making this presentation available,
Santander gives no advice and makes no recommendation to buy, sell or otherwise deal in shares in Santander or in any other securities or
investments whatsoever.
Neither this presentation nor any of the information contained therein constitutes an offer to sell or the solicitation of an offer to buy any
securities. No offering of securities shall be made in the United States except pursuant to registration under the U.S. Securities Act of 1933,
as amended, or an exemption therefrom. Nothing contained in this presentation is intended to constitute an invitation or inducement to
engage in investment activity for the purposes of the prohibition on financial promotion in the U.K. Financial Services and Markets Act
2000.
Note: Statements as to historical performance or financial accretion are not intended to mean that future performance, share price or future
earnings (including earnings per share) for any period will necessarily match or exceed those of any prior year. Nothing in this presentation
should be construed as a profit forecast.
The businesses included in each of our geographic segments and the accounting principles under which their results are presented here
may differ from the included businesses and local applicable accounting principles of our public subsidiaries in such geographies.
Accordingly, the results of operations and trends shown for our geographic segments my differ materially from those of such subsidiaries.
3. 3
I. The new banking framework
II. Santander today and tomorrow
III. What does it mean for our main geographies?
IV. Key operating and financial targets
V. Conclusions
4. Framework of reference is changing in an accelerated pace, creating challenges but
also opportunities for institutions that are ready to adapt
The New Banking Environment
Bifurcated macro
• US,UK: growth and rising
rates
• Europe: less growth, QE and
low rates
• Emerging markets: diverse,
slower growth and higher
risk premiums
Technology disruption
• Technology critical to rebuild
strategy
• Category killers threatening
traditional model
• “Digital" generations
New social and reputational
environment
• Demand of cultural
transformation of banks
Increased regulatory
pressures
• More capital, liquidity,
compliance
• Higher intervention and
demands
Demographic changes
• Ageing population: focus on
wealth management
• Growth of affluent
• New middle class in
emerging markets
Industrial renaissance in
mature markets
• Unit labour cost adjustment
• SMEs/ corporates banking
opportunity
• Trade finance importance
4
5. 5
I. The new banking framework
II. Santander today and tomorrow
III. What does it mean for our main geographies?
IV. Key operating and financial targets
V. Conclusions
6. Santander today
Diversified and attractive portfolio/market presence
Strong retail and commercial banking franchises
Strong balance sheet and amongst the best in capital position
with prudent risk management
Autonomous listed subsidiaries model with fully-integrated IT
systems and support functions
A top global brand
Santander is today a well diversified retail and commercial bank with
recurrent earnings generation, low risk and attractive growth profile
Santander’s model
6
7. The Santander Way
To help
people and
businesses
prosper
To be the best retail and commercial bank
that earns the lasting loyalty of our people,
customers, shareholders and communities
Our purpose Our aim
A bank that is…
Simple | Personal | Fair
7
8. Supporting the society of the
future: Santander Universities
Enhanced profitability
Reinforced capital
and risk
management
Operational
excellence
Our strategic priorities in our chosen businesses and markets
A strong internal culture –
The Santander Way: Simple,
Personal, Fair
Earn the loyalty of our retail
and corporate customers:
improve our franchise
Customers
Communities Shareholders
People
To be the best retail
and commercial
bank that earns the
lasting loyalty of
our…
8
9. We aspire to be the best bank for our people
PEOPLE: SIMPLE, PERSONAL AND FAIR People Customers
Communities Shareholders
Simple, Personal, Fair
Key initiatives
• Global talent management program
• Top management communications
sessions
• Training and development enhancements
• Objectives and incentives review
Goals 2017
• Top 3 bank to work in the majority of
our 10 core geographies according to
the relevant rankings
9
Simple, Personal, Fair
Simples, Pessoal, Justo
Simples, Próximo, Justo
Przejrzysty, dla Ciebie, Rzetelny
Sencillo, Personal, Justo
Easy, Personal, Fair Unkompliziert, Persönlich, Fair
10. Our opportunity in retail: to earn the loyalty of our customers
CUSTOMERS: EARN THE LOYALTY OF OUR RETAIL AND CORPORATE CUSTOMERS People Customers
Communities Shareholders
Our opportunity Impact and 2017 goals
12.2
50.6
91.6
c.1,000
Retail Customers,
Millions, 2014
Retail current account balances
€bn
Profitability of loyal
customers vs. actives
174
180
186 190
200
Q1 14 Q4 14Q2 14Q4 13 Q3 14
2017
aspiration
Retail & consumer loans growth
%
2014 2017 goal
Above Peers
Goal 2017
17M retail loyal
customers (+40%)
10
Potential
in our
markets
Total
Retail
customers
Retail
Active
customers
Retail
Loyal
customers
2.2%
11. Similar opportunity in SMEs and Corporate: More customers,
more loyal and improved ROE for the segment
CUSTOMERS: EARN THE LOYALTY OF OUR RETAIL AND CORPORATE CUSTOMERS People Customers
Communities Shareholders
SMEs & Corporate Customers
#
SME + Corporate lending growth*
%
2014
7.7%
2017 goal
+37%
2017 goal
1.1
2014
0.8
Number of loyal Corporate and
SME customers
Millions
Above
Peers
3 million
Loyal customers
% of active customers
26%
Profitability of loyal customers
SMEs
11
Corporates
Our opportunity Impact and 2017 goals
(*) Including GBM
12. Operational excellence: delivering the best service, efficiently
CUSTOMERS: OPERATIONAL EXCELLENCE People Customers
Communities Shareholders
Customer satisfaction index C/I ranking vs. Peers**(%, Sep’ 14)
Goal: Top 3 in all Geographies(*) Goal: C/I below 45%
C17
C16
C15
C14
C13
C12
C11
C10
C9
C8
C7
C6
C5
C4
C3
C2
Grupo SAN
C1
92
90
85
80
72
69
67
67
65
61
61
58
55
54
52
49
47
46
(*) Top 3 in net satisfaction; US to the average
(**) “Peer Group”: BBVA, BNP Paribas, Citigroup, Deutsche, HSBC, Intesa Sanpaolo, Itaú, JPMorgan Chase, Lloyds,
Société Générale, UBS, UniCredit, Bank of America, Wells Fargo, Barclays, Standard Chartered and ING
84.3% 85.3%
86.4% 85.9%
2H11 2H12 2H13 2H14
Santander Peer Group
12
13. Our opportunity Impact and 2017 goals
Make our services available anytime, anywhere, means
growth in active and loyal customers
CUSTOMERS: OPERATIONAL EXCELLENCE People Customers
Communities Shareholders
Active digital customers
% of active customers
Number of digital customers
Millions
28%
Profitability of digital customers*
vs. active customers
60% of our loyal and
transactional customers are
multichannel*
x2.6
(*) Spain data
+16,7%
2014
13.6
2013
11.7
25
2017
+22,5%
23% 28%
% of
active
customers
~45%
CAGR
13
14. Stress Test
Baseline
Case CET1
FL 2016
12.0% 10.5%
Considering the most relevant metrics, we are amongst the
best in capital adequacy
SHAREHOLDERS: REINFORCED CAPITAL AND RISK MANAGEMENT People Customers
Communities Shareholders
1 Santander target; peers 2014
European Peer group: HSBC, Barclays, BBVA, BNP Paribas, Deutsche
Bank, ING, Intesa, Lloyds, Société Générale and UniCredit.
CET1 FL1
SAN
Peers
(median)
Stress Test
Adverse
Case CET1
FL 2016
FL Leverage
ratio
2014
10-11% 10.4%
8.7% 7.6% 3.9% 4.0%
SAN
Peers
(median)
14
15. By country
With an efficient and disciplined capital allocation to deliver
value to our shareholders
SHAREHOLDERS: REINFORCED CAPITAL AND RISK MANAGEMENT People Customers
Communities Shareholders
RoRWA%
Going forward:
• Organic growth
• Stricter in capital allocation
Favor higher profitability and growth
potential segments and countries
• Manage profitability by businesses
• Europe and Americas
• Acquisitions, not a priority. Need
to be non-dilutive and ROI above
COE in year 3
15
Emerging markets
m-t target
Mature
markets m-t
target
2017 Goal:
ROTE 12-14%
0.0%
1.0%
2.0%
3.0%
4.0%
2.5%
1.4%
Focus on improving RoRWA
16. Our Group Wide Risk Management Framework will allow us to
improve our average risk profile
SHAREHOLDERS: REINFORCED CAPITAL AND RISK MANAGEMENT People Customers
Communities Shareholders
€500m investment in Risk Data Aggregation program across the Firm
Risk metrics
5.2 5.4 5.6 5.5 5.5 5.3 5.2
J'13 S'13 D'13 M'14 J'14 S'14 D'14
70 67 65 66 67 68 67
NPL ratio %
Coverage ratio %
Risk
assessment
/ Risk map
Risk policies
and processes
Risk
organiza-
tion and
gove-
rnance
Group Wide
Risk
Management
Risk
appetite
and
strategy
definition
Risk culture
Risk
infrastruc-
ture (IT &
Ops)
2017 Goal: NPL ratio <5%
Group Wide Risk Management
16
17. Most of our geographies are entering growth cycles
SHAREHOLDERS: ENHANCED PROFITABILITY People Customers
Communities Shareholders
Customer Loans (4Q’13 base 100”)
Coming
Out of the
Crisis 100 100 102 101 102
100 100 101 102 103
103 104
102
104
100 99 99
104
110
100
103 105 107 107
104
108 110 115 Rest of
Latam
Q4’13 Q1’14 Q2’14 Q3’14 Q4’14
Recovering
Temporary
Slowdown
Returning
to Growth
Growing
• Average 2016 GDP
growth in Santander
core markets close
to 3%
• Critical mass and a
retail and
commercial focus to
leverage the change
of cycle
17
18. And we are building from a solid base of results..
SHAREHOLDERS: ENHANCED PROFITABILITY People Customers
Communities Shareholders
MM €
Net interest income
Net fees
Gross income
Operating expenses
Net operating income
Net loan-loss provisions
PBT
Attributable profit to the Group
28,419
9,622
41,920
-20,158
21,762
-12,340
7,362
4,175
20131
Var. 13-14
2014 % €
%Constant
currencies
29,548
9,696
42,612
-20,038
22,574
-10,562
9,720
5,816
+4.0
+0.8
+1.7
-0.6
+3.7
-14.4
+32.0
+39.3
+8.8
+5.4
+6.2
+3.0
+9.1
-10.5
+41.3
+49.3
Goal for 2017: EPS growth greater than peers
18
(1) Profit adjusted to the entry into force with retroactive effect, of the
interpretation of the international accounting standard IFRIC 21, which
means anticipating the accounting of contributions to the Deposit
Guarantee Fund. Net impact 2013: -Eur 195MM
19. We are growing our customer loans and deposits + funds in a
balanced way
SHAREHOLDERS: ENHANCED PROFITABILITY People Customers
Communities Shareholders
% 2014 YoY
19
Deposits + Mutual FundsLoans
(1) Loans and deposits excluding repos in constant currency
(2) Excluding portfolio and securitisation disposals: 7%
+2%
-5%
+7%
+9%
+3%
+4%
+10%
+18%
+8%
+5%
Spain
Portugal
Poland
SCF
UK
USA
Brazil
Mexico
Chile
Total Group
+5%
+5%
+10%
+2%
+6%
+12%
+13%
+17%
+6%
Spain
Portugal
Poland
UK
USA
Brazil
Mexico
Chile
Total Group
-2%
+5%
2013 /
2012
2014 /
2013
+3% +6%
2013 /
2012
2014 /
2013
(2)
20. • 1,175 agreements with Universities in 20
Countries
• €154M in 4,200 projects in 2014
• 7.8M student users of the Intelligent Card
• 28,527 scholarships and grants in 2014
• 2,200 professionals, with 650 branches in campus
Santander Universities is our approach to supporting
communities with c.€700m committed for next 4 years
COMMUNITIES: SANTANDER UNIVERSITIES People Customers
Communities Shareholders
20
• Unique value
proposition
• Number 1 in Varkey
Foundation and
UNESCO in terms of
support to Education
• Linked to our support
to entrepreneurship
and SMEs
Since 1996, more than 160,000 students, professors and researchers
have benefited from our scholarships
21. 21
I. The new banking framework
II. Santander today and tomorrow
III. What does it mean for our main geographies?
IV. Key operating and financial targets
V. Conclusions
22. 22
25
25
40
40
Commercially, we have a unique opportunity especially in larger
markets
This increase in
our retail loyal
base would grow
our operating
income by €2-3bn
Examples
Current value Aspiration
Retail Loyal customers,
% of active customers
23. Commercial transformation and operational excellence, with focus on
increasing loyal customers and growing SME / Commercial (1/2)
Priorities 2017
• Bank of choice for the majority of the customers
• SMEs and Corporate leadership
• Digital enhancements • Retail
transformation
• Top line
growth
• SMEs and
commercial
• Top line growth
• Loyal customers
• Profitability increase through business mix
enhancement
• Retail franchise/ 123 world
• SMEs and Corporate profitable growth
23
24. Commercial transformation and operational excellence, with focus on
increasing loyal customers and growing SME / Commercial (2/2)
Priorities 2017
• Adaptation to new regulation
• Gradually refocus the bank on commercial
activities
• Commercial transformation
• SMEs/ corporates
• Exploit opportunities derived from reform
agenda
• Continue growth maintaining ROE levels
24
• Retail
transformation
• Top line
growth
• SMEs and
commercial
25. 25
I. The new banking framework
II. Santander today and vision for tomorrow
III. What does it mean for our main geographies?
IV. Key operating and financial targets
V. Conclusions
26. Our targets for 2017 are ambitious… Simple, Personal, Fair to deliver
sustainable results
• Top 3 bank to work in the majority
of our core geographies
• 17 Million Retail Loyal Customers
• 1 Million SMEs and Corporates Loyal
Customers
• Customer loans growth above peers***
• All geographies in top 3
among peers in customer
service*
• 25 million digital
customers
• 700 M€ support
through Universities in
the next 4 years**
• 90,000 scholarships in
2015-2017
• Top 10 in Dow Jones
Sustainability index
• 12-14% ROTE
• FL CET1 of 10%-11%
• NPL ratio of <5%
• C/I <45%
• Higher EPS growth
than peers***
People Customers
ShareholdersCommunities
26
(*) US above peers average
(**) 4 years: 2015-2018
(***) “Peer Group”: BBVA, BNP Paribas, Citigroup, Deutsche, HSBC, Intesa Sanpaolo,
Itaú, JPMorgan Chase, Lloyds, Société Générale, UBS, UniCredit, Bank of America, Wells Fargo, Barclays, Standard Chartered and ING
27. 27
I. The new banking framework
II. Santander today and tomorrow
III. What does it mean for our main geographies?
IV. Key operating and financial targets
V. Conclusions
28. Santander: A combination of financial strength and a recurrent, profitable
low risk business model geared towards growth above market
28
• Current environment provides a huge opportunity….
• … Santander is the best positioned bank to benefit from it…
… We will do it by strengthening our culture and proposition to our customers and
communities and….
… by growing our existing business organically, increasing our customers´ loyalty
profitably through best customer banking experience and leveraging our operating
excellence
• We will be even more rigorous in capital allocation internally, and now have the capital
in place and a strong balance sheet to accompany the turning cycle in our core markets
To be the best retail and commercial bank that earns the lasting
loyalty
of our people, customers, shareholders and communities