Santander

Pilar Reynoso, beneficiaria de la Fundación Hay Salida, llegó a la fundación a los 20 años en busca de apoyo para superar su dependencia a las drogas. Su camino hasta este punto no fue fácil; una infancia marcada por la falta de apoyo familiar y experiencias difíciles la llevaron a refugiarse en el consumo de sustancias. En Hay Salida, Pilar encontró un acompañamiento integral y terapias enfocadas en sanar heridas del pasado, lo que le ha permitido reconciliarse consigo misma y enfrentar su proceso de recuperación con determinación y esperanza. La Fundación Hay Salida para el Tratamiento de las Adicciones fue premiada en la última edición de“Euros de tu Nómina” por su proyecto de Residencia para mujeres con adicciones en situación de vulnerabilidad socioeconómica. Este proyecto está destinado a mujeres adictas en proceso de recuperación, muchas de las cuales han sufrido violencia y abusos, padecen trastornos mentales y tienen hijos a su cargo. Su objetivo es ayudarlas a que estén preparadas para recuperar su vida de forma autónoma. El programa "Euros de tu Nómina", que lleva 16 ediciones, cuenta con la participación de los empleados de Banco Santander. Este año se presentaron 246 proyectos, de los cuales un comité seleccionó 28 finalistas y más de 3.150 empleados votaron para elegir a 16 ganadores. Descubre más sobre la Fundación Hay Salida y la XVI edición de Euros de tu Nómina en: https://lnkd.in/dw3h3jRH

Technology is essential. Every bank relies on two primary components to carry out its operations: the core banking system, where transactions happen or cash deposits are, and the retail banking platform, including apps or websites that customers use. The core banking is the engine of the car, while the retail banking platform is the chassis. In recent years, Santander has made substantial investments in developing its own award-winning proprietary technology. Gravity is our core banking system and ODS is our retail banking platform. From a technological standpoint, they both are each setting new standards for the financial services industry. Integrating these technologies in the U.S.—and eventually in other markets—will be transformative for Santander and its customers. Daniel C. and Ovidio Cordero provide further insights into the disruptions brought by these two technologies in our latest podcast. To learn more, read this article by David Chaos and watch or listen to the full video podcast here: https://lnkd.in/de2_NbZt

Many thanks to the President of the European Parliament, Roberta Metsola, for sharing the stage with me and to Mairead McGuinness, Enrico Letta, Jens Stoltenberg, Agustín Carstens, Alejandro Díaz de León, Jim Messina, Nadia Calviño and José Luis Escrivá, amongst other distinguished speakers for attending today’s Santander Internacional Banking Conference “Growth in a Disrupted World.” We are at a crossroads in Europe. The Draghi and Letta reports have made a well-documented diagnosis, and we know what works. It is time for action, and banks in Europe are ready to do our part, supporting our customers. #SantanderIBC

Today, global leaders gathered for the 2024 Santander International Banking Conference to discuss “Growth in a Disrupted World.” The agenda provided a global perspective on today’s economic, regulatory and technological challenges, with discussions led by experts in finance, policy, and industry.   The day opened with Santander’s Group Executive Chair, Ana Botín, and European Parliament President, Roberta Metsola, exploring Europe’s competitiveness amid economic shifts, followed by insights on European growth priorities from EIB President, Nadia Calviño. Later, General David H. Petraeus, US Army (Ret.), interviewed by Alexandra de Hoop Scheffer, PhD, provided an expert analysis of geopolitical stability in the Middle East, while Agustín Carstens and Santander CEO, Héctor Grisi Checa, examined how the future of finance must be built on collaboration and shared innovations like AI and blockchain.   Insights from Bank of Spain Governor, José Luis Escrivá, addressed integrating growth and competitiveness, with additional discussions from Enrico Letta and Mairead McGuinness on investing in Europe’s future, and Klaas Knot on maintaining financial stability.   A dedicated session on Latin America covered regional growth and economic potential, followed by talks on AI’s impact on financial services, featuring perspectives from Uljan Sharka of iGenius and Cecilia Bonefeld-Dahl of DigitalEurope.   In the afternoon, former NATO Secretary General, Jens Stoltenberg, joined virtually to discuss global security challenges, followed by an interview with Jim Messina on the implications of the upcoming U.S. elections.   James Harding closed the day with reflections on resilience and innovation as cornerstones for today’s financial sector.   Missed any of these compelling discussions? Catch up on all the insights and expert analyses from the #SantanderIBC and explore how the financial sector can adapt and thrive in this evolving landscape. Watch the sessions here: https://lnkd.in/dvenZd3g

Today, I had the pleasure of speaking with Agustín Carstens, the General Manager of the Bank for International Settlements – BIS, at #SantanderIBC, our annual conference that has gathered experts since 2008. We discussed some of the BIS’s ongoing efforts to leverage technologies to build a financial system that is user-centric and empowers individuals and businesses. Agustín particularly emphasized the adoption of tokenized financial assets as a way to ease many of the existing bottlenecks and fundamentally reshape financial transactions as we know them, especially in the area of cross-border payments, which often suffer from inefficiencies and high costs. At Santander, we share this vision and are collaborating closely on projects like Agorá, which explores the potential of programmability in wholesale central bank money and commercial bank deposits through smart contracts and tokenization. We are excited to partner with the BIS and other institutions to shape a financial system that is more resilient, inclusive, and technologically advanced. Looking ahead, the future of finance will be built on collaboration and shared innovation. It was a great conversation, thanks Agustín for your invaluable insights.

We are ready for the second half 2024 Santander International Banking Conference. Watch here the live broadcast

The 2024 Santander International Banking Conference is about to begin! Tune in to the live broadcast as industry leaders discuss growth in a disrupted world—from shifting global dynamics to transformative technologies. Watch live

Toda nuestra solidaridad y nuestro más sentido pésame a los familiares de los afectados por la DANA que ha asolado distintas zonas de España.   Desde Santander hemos activado el protocolo para apoyar a nuestros clientes, facilitar los trámites y movilizar fondos de emergencia.   Estamos aquí para ayudaros.   Si tú también quieres colaborar, habilitamos las siguientes vías:   Cáritas Española: ES45 0049 1892 6421 1055 3738 Bizum: 10480   Cruz Roja Española: ES44 0049 0001 5321 1002 2225 Bizum 33512

Toda mi solidaridad con todos los afectados por la terrible DANA que ha afectado a la Comunidad Valenciana, Castilla-La Mancha, Murcia, Andalucía y otros puntos de España. Mi más sentido pésame a los familiares de las víctimas. Desde Santander España estamos trabajando para apoyar a empleados, familiares y clientes.

Gracias. Thank you. Obrigado. Dziękuję. Today, I want to thank to our more than 200,000 professionals worldwide. With your excellent work, we have presented another record profit for Santander, 9.3 billion euros in the first nine months, driven by strong business dynamics and the solid contribution of our five global businesses. Most importantly, we are accelerating our business transformation with c.60% of our products/services digitally available and simplifying our processes. As a result, our efficiency ratio has improved to 41.7%, the best in the last 15 years. And the customers are responding: we added 4.7 million in the last twelve months, led by Santander Brasil 🇧🇷, Santander México 🇲🇽 and Santander España 🇪🇸. Looking ahead, I am sure we will achieve all our goals for 2024 while remaining focused on providing our customers with the best products and services to become their primary bank.