H1'22 Financial Results and PagoNxt Highlights
Santander Business Model & Strategy
Santander is managed according to primary and secondary segments
Primary segments
Digital Consumer Bank
Cw Openbank
O
One Santander (Europe, North
America and South America). New
operating model leveraging our
global scale to deliver a better
customer experience, supported by
common culture and higher degrees
of commonality, technology being
one
Digital Consumer Bank: our vision is
to become the largest digital
consumer bank in the world
Europe
North America
South America
Spain
Portugal
UK
United States
Brazil
Poland
Mexico
Chile
Uruguay
Peru
SCF
SCF
Other Europe
Argentina
Colombia
More details in
Appendix:
Retail Banking
Audit Compliance Risk Universities
SCIB
Secondary segments
WM&I
Group functions and Corporate Centre activities
Communication,
Corporate
Marketing and
Research
Costs
General Human
Secretariat Resources
Technology Financial
&
Control/
Operations Accounting
Finance
PagoNxt
Strategy,
Corporate Dev.&
Financial Planning
Exec.
Chairman's
Office &
Responsible
Banking
O
Global businesses (SCIB and WM&I)
to enhance our local scale with global
reach and collaboration
PagoNxt: innovative payments
solutions for both Santander and
non-Santander clients
The Corporate Centre and other
functions servicing the whole Group
Santander (1) Includes Legal, Governance, Tax and Security & Intelligence.
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