2023 Highlights Digital Consumer Bank Europe
Primary segments (Global Businesses)
Retail
Consumer
CIB
Wealth
Payments
Private Banking
Individuals
Consumer business1
SBNA consumer²
Transactional Banking
Investment Banking
Openbank
Markets
Asset Management
(SAM)
Insurance
PagoNxt
Cards
Group
organizational
structure
from January
2024
SMES
Corporates
Santander
E
Secondary (geographic) segments
Europe
DCBE DCB Europe NA
North America SA
South America
Spain
UK
SCF
SCF
Portugal
Poland
C Openbank
United States
Mexico
Brazil
Uruguay
Chile
Argentina
Peru
Colombia
Other Europe
General
Secretariat³
Internal
Audit
Strategy
& ESG
Comms &
Marketing
Risk &
Compliance
Corporate
Development
Technology
&
Operations
Talent &
Human
Resources
Group functions and Corporate Centre activities
Regulatory &
Supervisory
Relations
Financial
Accounting Finance
& Control
Universities
Note: Corporate Centre is allocated to both the primary and secondary segments.
(1) Includes all consumer finance companies across the Group.
(2) Includes individuals.
(3) Includes Legal, Internal Governance, Tax and Security & Intelligence.
Investment
Platforms &
Corporate
Investments
Costs &
Organization
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