桑坦德银行Banco Santander SA（BSAC）2022年年度报告（英文版）（810页）.pdf

1、 For a brighter tomorrow 2022 Annual report 2022 Annual report Unless otherwise specified,references in this annual report to other documents,including but not limited to other reports and websites,including our own,are for information purposes only.If the contents of such other documents and websit

2、es refer to this annual report,they are not nor should be considered part of it.Unless the context suggests otherwise,Banco Santander means Banco Santander,S.A.,and Santander,the Group and Grupo Santander mean Banco Santander,S.A.and subsidiaries.Consolidated directors report 7 Business model and st

3、rategy 17 Responsible banking Consolidated non-financial information statement 20 2022 Overview 23 Our ESG strategy 30 Building a more responsible bank 76 Our progress in figures 92 Further information 104 ESG reporting standards and references 154 Independent verification report 157 Corporate Gover

4、nance 160 2022 Overview 166 Ownership structure 172 Shareholders.Engagement and general meeting 179 Board of directors 227 Management team 229 Remuneration 256 Group structure and internal governance 259 Internal control over financial reporting(ICFR)266 Other corporate governance information Audito

5、rs report and consolidated financial statements 503 Auditors report 513 Consolidated financial statements 529 Notes to the consolidated financial statements 765 Appendix 303 Economic and financial review 305 Economic,regulatory and competitive context 309 Group selected data 311 Group financial perf

6、ormance 356 Financial information by segments 399 Research,development and innovation(R&D&I)401 Significant events since year end 402 Trend information 2023 410 Alternative performance measures(APM)419 Risk management and compliance 421 Risk management and compliance 429 Risk management and control