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Integrated risk management - Santander

App Santander

App Santander Empresas

Integrated risk management

48,000 people sharing the responsibility for risk prevention

In 2018, the Santander Star Program, which recognizes the performance of employees, started to reward the highlights in prevention and risks control

In the 2018 Global Engagement Survey, answered by more than 38,000 employees, nine of every ten professionals say that they feel responsible for risk management

We closed the year with a sustainable growth of the loan portfolio, which stood at 11.2% higher than in 2017, with controlled default

What we do

Our risk management is intended to mitigate the risk that external factors bring to the business and manage the impacts generated by our activities, which may be extended to society and the environment.

A direct risk of banking activity is the inadequacy of credit granting or its use, which can lead to indebtedness. Therefore, we follow the financial life of the customer and, before any loss of control of debts, we get in contact to renegotiate.

Other mapped risks, such as social and environmental, compliance and reputational, are related to the eventual impacts caused by projects and companies that we finance and the management of our suppliers. Learn more about each monitored risk and what we do to mitigate them on the Investor Relations website.

Risk Pro

Risk management is a shared responsibility among all Santander’s professionals. Called Risk Pro, it is formed by a set of behaviors that employees must develop to manage the risks in their daily activities. Risk Pro is based on five principles:

Responsibility: All employees are responsible for identifying, evaluating, managing and reporting risks.

Resilience: The bank must be prepared for different scenarios and be flexible, ensuring its sustainability.

Challenge: To question the daily work with a future vision of risks and to instigate the internal debate.

Simplicity: Risk management should be easy to understand by customers and employees.

Customer orientation: To put customers at the heart of risk management, targeting their long-term interests.

Integrated risk management