2023 Highlights Digital Consumer Bank Europe
Global Businesses
With our last step towards ONE Santander, we have laid the foundation to capture
the full potential of our in-market and global value
Tangible progress on our transformation
Our model capitalizes on our strategic advantage of
combining global capabilities with local expertise
Retail Retail & Commercial Banking
Consumer Digital Consumer Bank
CIB Corporate & Investment Banking
ONE
Santander
Wealth Wealth Management & Insurance
ā Payments
E
NA
Europe
Santander
Payments
SA
DCBE
North
America
South
America
DCB
Europe
Serve our
customers
better
Grow more
and faster
Better
risk-return
from a global
perspective
across
business lines
Improved and
more disciplined
capital allocation
for higher
profitability
Be more
efficient
More resilient
balance sheet
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