Santander

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.

Across the Group our teams are supporting 171 million customers. In the first nine months of the year we’ve: • Helped 200,000 families buy a home • Supported 830,000 new SME customers to create jobs and growth • Served over 400,000 micro-entrepreneurs set up their business • Financed 45 new green-energy projects • Helped 1.6 million people through scholarships and free courses. Get more info https://lnkd.in/dkbvqWpr

Once again, Santander is delivering strong, profitable growth, with earnings per share up 19%. During the first nine months of the year, profit grew 14% to €9.3 billion, RoTE stood at 16.2% and revenues increased across all global businesses. We continue delivering for our shareholders -which include millions of retail shareholders in Spain and elsewhere-, with value creation (TNAV per share plus dividend per share) +14% year on year, as well as supporting our communities across Europe and the Americas, paying 4.2 billion in taxes. We are growing both interest and fee income, credit quality is robust, and our transformation continues to generate positive operating leverage, with costs down 1% in real terms. Meanwhile, our balance sheet remains rock solid, while fully-loaded CET1 increased to 12.5% after adding 20 basis points during 2024. As evidence of the transformation, our core Retail and Consumer businesses, which combined represent more than 70% of the Group’s revenue, generated an 8% increase in revenue and a 1% decrease in costs in constant euros. In an increasingly volatile geopolitical environment, we are confident we will maintain strong momentum through the remainder of the year, delivering on all our targets, and continuing into 2025. Congratulations to all the Santander teams for serving our customers every day and for these excellent results. https://lnkd.in/ddgQwUdD

Watch our Group CEO, Héctor Grisi Checa, discuss our Q3 results. We’ve achieved an attributable profit of €9,309mn in the first nine months of 2024 (+14%), with the best efficiency ratio in 15 years and RoTE of 16.2%, in line with the full-year target. The three takeaways are: - Double-digit profit growth. Solid balance sheet with sound credit quality and capital ratio (12.5%). - Our transformation is supporting strong operating performance. - Delivering double-digit value creation, with earnings per share up 19%. Read more: https://lnkd.in/dkbvqWpr

🗓️ Save the date! Tomorrow, 29th of October, we'll be sharing our 9M'2024 financial results. To follow the presentation, register here: https://lnkd.in/dCpvvcjW

🗓️ ¡Apunta esta fecha! Mañana, el día 29 de octubre, presentamos nuestros resultados financieros para el 9M'2024. Para seguir la presentación visita: https://lnkd.in/dS6gQxVf

Julio Rodríguez, fisioterapeuta de adELA, realiza sesiones a domicilio con Marcos, un paciente de 37 años recientemente diagnosticado. Gracias al apoyo integral de adELA, Marcos recibe tanto fisioterapia como atención psicológica, lo que le permite mantener una actitud positiva y afrontar su diagnóstico con valentía y resiliencia. La organización sin ánimo de lucro adELA - Asociación Española de Esclerosis Lateral Amiotrófica, fue premiada en la última edición de Proyectos Sociales “Euros de tu Nómina” por su proyecto de atención respiratoria para enfermos de ELA. La insuficiencia respiratoria es la causa más frecuente de mortalidad en los pacientes de ELA, por lo que es muy importante proporcionarles servicios y técnicas de soporte ventilatorio que ayuden a mejorar su supervivencia y calidad de vida. Ese es el objetivo del proyecto: facilitar a quienes sufren esta enfermedad una atención respiratoria multidisciplinar mediante servicios de fisioterapia y/o logopedia y técnicas de soporte ventilatorio, todo ello con el fin de favorecer su permanencia en su entorno habitual, su domicilio, en condiciones adecuadas. El programa "Euros de tu Nómina", que lleva XVI ediciones, cuenta con la participación de empleados de Banco Santander en España y del centro corporativo. 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 adELA y la XVI edición de Euros de tu Nómina en: https://lnkd.in/dw3h3jRH

Getnet SEP is simplifying the integration of e-commerce payments in several countries, including sales, refunds, anti-fraud, subscriptions, tokenization, and more ⬇️⬇️

Santander has had a presence in the US since 1968, and our entry into the US retail banking market began in 2006 when we acquired a 25% stake in a regional bank primarily serving the northeastern part of the country. With the launch of Openbank, Santander has the ability to serve customer nationwide for the first time, making it a major milestone in our growth in the US. Read more about our journey and strategy in the largest market in the world: https://lnkd.in/dChwn_Mj

En colaboración con Omar Montes, lanzamos la iniciativa #LouderTogether para descubrir y apoyar el talento musical emergente de la Generación Z en TikTok. Con la participación de Santander Argentina, Santander Brasil, Santander Chile, Santander España, Santander México, Santander Portugal y Santander Uruguay, la iniciativa ha recibido más de 3.500 inscripciones de estos siete países. Finalmente, cinco excepcionales artistas han sido seleccionados para representar lo mejor de la creatividad de la Gen Z. Ayer, LoudT debutó su primer sencillo, "Dime", junto con el videoclip oficial—una muestra emocionante de creatividad, esfuerzo y colaboración más allá de las fronteras. Esta iniciativa refleja el compromiso de Santander con la próxima generación, brindándoles las herramientas y plataformas necesarias para alcanzar sus sueños. Queremos ser un facilitador para la Generación Z, apoyándolos en sus canales favoritos y promoviendo su espíritu colaborativo mientras avanzan hacia el éxito. Descubre más en https://lnkd.in/d-tb5iBQ #LouderTogether #Santander #GenZMusic #EmpoderandoTalentoJoven