Investor Presentaiton
Risk management and compliance
'Our solid Risk & Compliance function is key to making sure
we remain a robust, safe and sustainable bank that helps
people and businesses prosper'
3 lines of defence model
with a robust risk committees
structure
*
Advanced management tools to effectively manage and control all risks under a forward-looking
approach
Risk Profile Assessment
Continuous risk
identification and
evaluation to address
potential threats
Scenario Analysis
Anticipating potential
impacts to take early
action
Risk Appetite &
structure of limits
Amounts and types of
risks deemed prudent
to assume
Risk Reporting Structure
Comprehensive, versatile
with deep analysis to
facilitate decision making
Customers
Our proactive and customer-centric
Risk and Compliance management
enables us to maintain our
medium-low risk profile
We rely on:
Clearly defined
management and control
processes
Common Risk Principles aligned
with regulatory requirements and
inspired by best market practices
Models & data unit
Boosting our analytic capabilities to provide
tailored value propositions for our customers
through a cross-functional scope of risk &
business models
O
Oversight Plan
Risk & Compliance annual plans to better
oversight and follow-up the implementation
of long-term strategies
ESG risk
management
Our risk management and control
model is key in supporting our
customer in their green transition
and the fulfilment of our Net-Zero
commitments
risk pro
Our strong Risk culture is based on the principle that all employees are risk managers, supporting long-term business sustainability
Santander More information on the Group's Overview of our Corporate Governance presentation. See link to this document on page 58.
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