Investor Presentaiton
We rely on:
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
has allowed us to maintain our
medium-low risk profile despite the
current macroeconomic
environment
Clearly defined
management and control
processes
Common Risk Principles aligned
with regulatory requirements and
inspired by best market practices
risk pro
Santander
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
Risk management and control is
key in supporting our customers'
green transition and the fulfilment
of our sustainable goals
Our strong Risk culture is based on the principle that all employees are risk managers, supporting long-term business sustainability
More information on the Group's Overview of our Corporate Governance presentation. See link to this document on page 56.
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