Banco Santander : Financial Empowerment 2018

Financial

Empowerment

Report 2018

santander.com

Ana Botín

Our approach

• By delivering on our purpose, and helping people and businesses prosper, we grow as a business and we can help society address its challenges too. Economic progress and social progress go together. The value created by our business is shared - to the benefi of all.

Communities are best served by corporations that have aligned their goals to serve the long term goals of society. "

By being responsible, we build loyalty

People	Customers	... Santander
		treats me
		responsibly
Shareholders	Communities

I´m loyal to Santander because...

... Santander acts responsibly in society

2	Financial Empowerment Report 2018

In our day-to-day businesses, we ensure that we do not simply meet our legal and regulatory requirements, but we exceed people´s expectations by being Simple, Personal and Fair in all we do.

We focus on areas where, as a Group, our activity can have a major impact on helping people and businesses prosper.

Index

2018 Financial Empowerment report

Index

1. Financial	2. Banco	3. ACCESS.
empowerment,	Santander	Offer of
key to social	commitment	products
inclusion	to support	and services
04	financial	fostering access
empowerment	to basic financial
	06	services for
	unbanked and
		underserved
		•Superdigital: Financial
		empowerment
		boosted by digital
		technology 08
		•Other initiatives &
		services to guarantee
		access to basics &
		quality financial
		products and services
		09

4. FINANCE.	5. RESILIENCE.
Offer of	Promoting
products	financial
and services	education
supporting	15
economic
welfare for
low-income
groups / or
with economic
difficulties

• Microfinance programmes: a chance to improve social and financial inclusion in low- income communities
  10
• Financial solutions for people with economic difficulties
  14

Overview

We believe that we can help more people prosper and enjoy the benefits of growth by empowering them financially: providing them access to tailored financial products and services and improving their financial resiliency through education.

Main highlights 2018

+ 500,000

Customers using Superdigital,

our mobile platform to make basics transactions without having a bank account

+ 273,000

Micro-entrepreneurs supported

at year end through our microfinance programmes in Brazil, Mexico and Argentina

+ 360,000

People benefi ed

from our financial education programmes in 2018

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1. Financial empowerment, key to social inclusion

Unbankes population by region

WORLD

32%

1,7billion unbanked

LATIN AMERICA & CARIBBEAN

46%(˜200Mn)

Source: World Bank (data 2017). Percentage of adults over 15 years without a bank account

EUROPE & CENTRAL ASIA 35% (˜100Mn)

MIDLE EAST & NORTH AFRICA 57% (˜150Mn)

SUB-SAHARIAN AFRICA

57%(˜300Mn)

EAST ASIA &

PACIFIC

29%(˜500Mn)

SOUTH ASIA 30% (˜400Mn)

(˜1,700Mn)

people in the world

230million of unbanked adults that work in the private sector receive the salary in cash

1.1billion unbanked adults have a mobile phone, but just the 25% have internet access

According to the World Bank, 1,7 billion people, or 32% of adults worldwide, have no access to financial services; this percentage is even higher among low-income adults, especially women.

In this context, financial empowerment is key to reducing poverty and increasing prosperity. Access to financial products or services

has a huge impact on improving the living conditions of low-income communities as it helps build the local economy, empowers people and encourages personal and professional prosperity. This kind of economic progress fosters investment in education and health which are fundamental pillars to human development.

Banks play a vital role in providing underprivileged communities with access to financial services. Thanks to technological innovation, banks can better adapt their business models to help unbanked communities.

Financial inclusion is a priority for regulators and development agencies worldwide:

Financial inclusion directly contributes to achieving 7 of the 17 Sustainable Development Goals of the United Nations.

The G20 is committed to promoting global financial inclusion and reiterated its pledge to implement the

G20 High-Level Principles for Digital Financial Inclusion.

For the World Bank, financial inclusion is key to reducing extreme poverty and encouraging shared prosperity. It has therefore announced an ambitious global goal to ensure universal financial access by 2020 (UFA 2020).

Latin America situation

Latin America and the Caribbean is one of the regions with the lowest levels of financial inclusion. On average, only

45.8% of the population over 15 has access to basic financial services.

This is lower than the global average (61%) and lower than most developing regions, including East Asia and the Pacific, Eas ern Europe and Central Asia, and the Middle East and North Africa (71.6%, 58.2% and 52.8%, respectively).

Moreover, only over 45% of small companies have access to financing from formal financial institutions. The lack of access to credit products hinders SMEs' growth, which as a negative impact on innovation and development on the long run.

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1. Financial empowerment, key to social inclusion

Moving from access to usage

Access to financial services is paramount to financial inclusion. A savings account or the ability to receive payments could radically improve the lives of the financially vulnerable. The key however, is to go beyond mere access to active, consistent and informed use of financial products and services.

This requires the development of compelling products that fits consumer needs, educating consumers on said products, and development of robust ecosystems.

The role of technology

The role of technology is key to reach unbanked collectives, developing new products and services and improving dialogue and proximity to customers.

Digitalisation however entails risks, especially in the case of the financially excluded, who have little to no knowledge of financial products and services.

To mitigate these risks, it is essential that both regulators and banks encourage the development of solid customer protection

About one in five bank accounts is currently inactive, without a deposit or withdrawal within the past year.

Measuring Financial

Inclusion and the

FinTech Revolution: The

Global Findex Database,

Washington, D.C.:

World Bank, 2017.

About two-thirds of the world´s mobile money accounts are dormant.

Grameen Foundation,

Digital Products

and Services.

frameworks, as well as financial education programmes.

Microfinance 3.0

Microfinance can also play a relevant role to give access to finance in emerging markets. But, nowadays a microfinance 3.0 version is needed.

There are two key trends developing around Microfinance 3.0, the next phase of development: the portfolio of products is expanding from loans to credit and the delivery of those products is going digital.

The expansion of the portfolio is inevitable as lenders learn more about their customers and see them prosper. They have accumulated a great deal of data so can take a much broader and more informed view of their risk.

Likewise, banks are deploying new technologies to reduce operational costs and bring down levels of non-performing debt. They are investing in new risk profiling and vetting procedures, in conjunction with budgeting tools to help customers keep their finances in order and making day-to-day transactions more efficient for everyone.

Financial inclusion has been identified as an enabler for 7 of the 17 Sustainable Development Goals.

NO POVERTY

QUALITY

EDUCATION

GENDER

EQUALITY

Promotes initiatives which combat exclusion and poverty.

Promotes university education to help the communities in which it is present to prosper.

Support various initiatives to enable female entrepreneurs and help them in their businesses.

			REDUCED
	PARTNERSHIPS FOR	NO POVERTY	INEQUALITIES
	THE GOALS
PEACE, JUSTICE AND			ZERO
STRONG INSTITUTIONS			HUNGER
LIFE ON			GOOD HEALTH
LAND
		AND WELL-BEING
LIFE BELOW
WATER			QUALITY
	17 sustainable
	EDUCATION
	development
	goals		GENDER
CLIMATE ACTION		EQUALITY

RESPONSIBLE	CLEAN WATER AND
CONSUMPTION AND
SANITATION
PRODUCTION

Collaborates with many social institutions to improve the quality of life of people and meet their needs.

DECENT WORK AND	Educate various groups so
they can obtain a decent
ECONOMIC GROWTH
	job.

SUSTAINABLE CITIES	AFFORDABLE AND
AND COMMUNITIES	CLEAN ENERGY
REDUCED	DECENT WORK AND
ECONOMIC GROWTH
INEQUALITIES	INDUSTRY, INNOVATION
	AND INFRASTRUCTURE

PARTNERSHIPS FOR	Partners with of social
THE GOALS	entities to achieve
	sustainable development.

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2. Banco Santander's commitment to support financial empowerment

Like every business, Santander operates in a world that is changing fast, creating new challenges and opportunities. By delivering on our purpose, and helping people and businesses prosper, we grow as a business and we can help society address its challenges too.

To act responsibly with society, we focus on areas where, as a Group, our activity can have a major impact on helping people and businesses prosper. And as a bank, we can play a major role in helping ensure growth is both inclusive and sustainable. Inclusive: by meeting all our customers' needs, helping companies to create jobs and people to be financially empowered, and get the education and skills they need. Sustainable: supporting the transition to a low carbon economy by financing renewable energy, smart and sustainable infrastructures, while taking into account the social and environmental risks and opportunities.

Boosting financial and social empowerment is a top priority in our Responsible Banking agenda. It is vital to reduce poverty and strengthens the welfare and local economy of the countries in which we operate.

With that in mind, we focus on three specific themes: Access, Finance and Resilience.

"Banks are a key in the economy; we give large financing to multinationals and also to entrepreneurs. Therefore we have a relevant role in the figh against financial and social exclusion "

Ana Botín,Group Executive Chairman

CEO Partnership for economic inclusion

Santander, along with other 9 companies are part of a private sector alliance for financial inclusion, an initiative promoted by Queen Maxima of the Netherlands, Special Representative of the United Nations to promote inclusive financing for development.

With a strong focus on finding sus ainable solutions that can drive business growth, the Group agreed to develop partnerships and make specific commitments to expand inclusion among hard-to-reach groups such as women, farmers, and small businesses.

"Advancing financial inclusion can lead to good business opportunities, and private sector-driven solutions could really accelerate our progress"

Queen Maxima of

the Netherlands

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2. Banco Santander commitment to support financial empowerment

Three main lines of action

ACCESS

Alternative access to traditional services that allow underbanked, underserved or vulnerable people to use basic financial services

FINANCE

Offer of products and services that support the economic grow of low- income people, families in economic difficulties and vulnerable groups

RESILIENCE

Programs & initiatives to improve people's financial knowledge: making economic concepts more understandable, helping people to make better financial decisions

Strategy target for 2019-2025

During this year´s Investor Day, we publicly committed to financially empower 10 million people by 2025. Measured as cumulative number of people whom we serve with our financial empowerment and inclusion initiatives in any of our geographies during the period 2019-2025. The initiatives we propose target mostly unbanked, underbanked and vulnerable groups.

Financially empowered people

2019

10MM

2025

Financial empowerment measurement methodology

In order to measure, assess and improve the Bank's contribution to financial inclusion, we have designed a corporate methodology tailored to Santander's requirements and specific mode .

This methodology sets out a series of principles, definitions and criteria that can be used to consistently count those individuals who have been financially empowered through the diferent initiatives, products and services promoted by the bank.

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3. Access

Offer of products and services fostering access to basic financial services for unbanked and underserved.

Financial empowerment boosted by digital technology

We want to give everyone access to financial services, regardless of where they live, age or financial situation. Digital technology helps to offer thousands of people not just a bank account, but also education in financial matters.

Data helps us tailor our products and services to their individual needs. What's more, online banking reduces risks inherent to cash manipulation and facilitates payments transactions.

Superdigital - Banking without a bank

For more information visit

Superdigital Brasil

Superdigital México

Superdigital Chile

Superdigital is a mobile platform for making deposits, withdrawals and payments that does not require users to have a bank account.

Developed with Santander's own technology, it was conceived as a mobile-first app to provide unbanked population easier access to products and services. It is very simple and easy to use, and has become the main financial services channel for many customers.

"Superdigital provides people with a totally different experience from the one on offer in the traditional financial market," explains Fernando Oliveira, the software development manager.

"It is a responsible way of banking. It works like a chat. It's like making payments and having your bank account in your WhatsApp ", explains Ana Botín.

Today this initiative is implemented in 3 markets (Brazil, Chile and Mexico) and has more than 500,000 active customers. But the medium-term goal is

to implement it along 7 core markets (all LatAm markets).

Superdigital will soon offer its customers microcredits as well.

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3. Access

Other initiatives and services to guarantee access to financial services to all segments

Low-income communities

Sparsely populated communities

Most

vulnerable people

University students

Branches in low-income communities

In 2016, Santander Microcredit extended its services: in addition to the 27 subsidiaries assisting entrepreneurs, three banking service agencies were added in Paraisópolis (Sao Paulo), Complexo do Alemão and Vila Cruzeiro (Río de Janeiro).

Financial inclusion branches

Santander Río has opened four branches in Buenos Aires (in the neighborhoods of Santa María, Castelar Sur, La Juanita and Don Orione, which previously had no banking coverage) as means to encourage financial integration.

Cuenta Life

An account for everyone, where they do not ask for a minimum salary.

Partnerships with business establishments

In Mexico, Santander offers customers the possibility of carrying out basic transactions through more than 19,000 convenience stores such as Oxxo, 7 Eleven and others.

Branches in sparsely populated regions

In Spain, the Bank has 1,057 branches and 621 agent establishments in sparsely populated regions with under 10,000 inhabitants.

Digital immigrants

Alliance between Santander Río and NGO Libertate to train 200 customers in online banking tools to help reduce the digital divide which was preventing 200 customers over the age of 45 from accessing the digital world. They are now all familiar with online banking and can enjoy the benefits.

Specialized customer service

All front-line and customer-facing employees are provided with additional training to help recognise and understand issues which might impact customers, particularly those customers who are dealing with (or facing) vulnerable situations.

As part of its commitment with universities worldwide, Santander dedicates substantial resources to the development of products and services for students- even those that do not meet certain financial conditions.

With these products, students and graduates aged 18 to 26 can use the Bank's services free of charge, which helps overcome the usual banking hurdles facing this segment.

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4. Finance

Promoting products and services that meet the needs of every in the community, with special focus on unbanked, low income people and families under economic difficulties.

Microfinance: a chance to improve social and financial empowerment in low-income communities

We offer microfinance services to low-income and underbanked entrepreneurs to help them set up small businesses, which are the driver of economic growth and social mobility.

Banco Santander advocates for social entrepreneurship through its microcredit programmes, by increasing the flow of financial resources in the countries where it operates, offering people on low-incomes credit facilities and financial training so they can grow their small enterprises and in turn support employment.

The microcredit programmes not only help build the business fabric, they also act as a lever to transform society.A study on microfinance conducted by the Brazilian Business Council for Sustainable Development (CEBDS) shows that inequality is perpetuated, too, by the difficulty in accessing credit. Production-oriented microcredit is one of the solutions to break that cycle, by promoting the social inclusion of men and women through entrepreneurship.

Main financial inclusion and microcredits programmes

Main microfinance programmes supported by Santander

Tuiio

Launched in 2017, TUIIO offers products and services specially designed for low-income and underbanked population.

Prospera

Santander is recognised as the leading provider of microcredits among the private banks in Brazil.

Microfinance in Santander Río

Since 2015, Santander has offered productive microcredits to customers of its financial inclusion branches.

1,7 billion unbanked people in the world, of wich 200 million are in Latin America.

Source: World Bank

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4. Finance

Brazil

Banco Santander is recognised as the leading provider of microcredits among private banks in Brazil. Prospera Santander Microcredits promotes the growth of small businesses, allowing

Productive and oriented microfinance model.

Focus on those who do not have access to the formal financial system.

Micro-loans are granted to neighbourhood groups composed of 3 or 4 micro-entrepreneurs.

65% microcredits are received by female heads of household.

Average loan: 600 euros. Average term: 7 months.

Mexico

Launched in October 2017, Tuiio is a financial inclusion programme for people with low incomes which aims to have a measurable social impact through a broad and expanding range of interconnected products (from microcredits to microinsurance, remittances, payments and other services) supported by its

Financial inclusion program aimed at promoting a social impact in the communities.

Focus on the support and development of productive

activities. Micro-loans are granted to community groups composed of at least 8 micro-entrepreneurs.

Average loan: 400 euros. Average term: 4 months.

300€	8	months		70%
Average credit	Average term	Women

300€	4	months		91%
Average credit	Average term	Women

Ever since she was a little girl, Cleonice enjoyed watching and helping her mother sew.

Today, thanks to Prospera's support, she has her own confection business with three employees, a shop and a sewing room and is currently running a profitable business.

11

Argentina

El Salvador

Since 2015, the Bank has offered productive microcredits to customers of its financial inclusion branches. This service came about to provide suitable solutions to those underprivileged regions where Santander Río opened its 'Financial Inclusion Branches'.

• Working for financial inclusion is part of our purpose as a Bank. That is why I am proud that - along with the team at SantanderRio - we have backed Silvia's work. Today, there are 6,000 more people banking
  in La Juanita. But these stories don't happen without people like Silvia. Their ideas give rise to endless new projects. Productive and educational entrepreneurial
  projects in La Juanita today are an example of innovation with social impact. Thank you, Silvia "Ana Botín,Group Executive Chairman,

at the International Women´s Day

Santander InnoVentures

Santander is one of the main shareholders of ENLACE, a financial institution which focuses on micro-enterprises unable to access formal banking services. Over 70% of the loans extended by Enlace are managed through solidarity groups as in Brazil, with the average size being 14 members. In this case, 57% of the product portfolio is represented by funds granted to 'community banks' which are groups of people who set up seed capital to fund a local institution which in turn uses that capital to grant loans within the community. There is also an individual seasonal loan programme for customers who already have a group credit

					85%
700€	5,5months
Average credit	Average term	Women

Santander Innoventure is the fintech venture capital fund of Santander Group. This 200 millions dollars fund, invests in companies around the world that innovate in fields like the artificial intelligence, the media of payments, the access to credit, or the financial inclusion.

http://santanderinnoventures.com/

ePesos,a mobile payments company for the underbanked. Through its platform, ePesos

offers low-costshort-term working capital through a revolving line of credit to SMEs without a bank account. Borrowers receive and repay funds through a custom built mobile wallet. In October 2017 Santander InnoVentures led USD 6 million round in ePesos to advance financial inclusion https://www.epesos.com/

PayJoy,american startup with novel technology for Ānancing

smartphones. Its novel technology that facilitates credit approval for high-end smartphones for people without a credit history or banking relationship, which helps promote financial inclusion. The startup analyses the applicant´s working mobile number, valid photo ID and Facebook to provide a credit opinion account and turns the phone itself into collateral through its proprietary secure locking technology. https://www.payjoy.com/

12	Financial Empowerment Report 2018

4. Finance

Measuring the output of of Santander's microfinance initiatives.

2018 Data

Investment/
product	276	955
	million euros	dedicated
	disbursed in the	employees
	year
Results/
Social benefits
	433	68%
	thousand	female micro-
	of microentrepreneurs	entrepreneurs
	supported
Economic
return/
business	€19.8m	63%
growth
	Million euros	customers have
	of profits	renovated the
	before taxes	microloan

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Financial solutions for people with economic difficulties

SPAIN - Mortgage moratorium

Since 2011, we have helped over 140,000 families struggling to pay their mortgages through initiatives like: the suspension of evictions to 9,362 families, without any eviction since November 2012; donations in payment to 13,760 families; and more than 134,100 refinancing and restructuring of 112,300 families and 21,800 companies mortgages.

SPAIN - Social rent

To facilitate access to housing, Santander has contributed 1,000 homes to the Social Housing Fund,out of which 963 are for rent, and a further 568 houses under more affordable rent conditions for families in vulnerable situations. Santander was the first large financial institution to adhere to the code of good banking practices in March 2012.

USA - Santander Bank Inclusive Communities Plan

Santander Bank has developed an Inclusive Communities plan which established a goal of $11 billion in loans, investments and charitable contributions over a five-year period. The plan outlines Santander's commitment to communities across its eight-state northeastern U.S. footprint for 2017 through 2021. Main lines of action:

Affordable home purchase and home improvement products

Small Business Administration lending

Microbusinesses support

New affordable housing and community development financial institution (CDFI) loan products

Lending to community development corporations and non-profits

Lehigh Valley to benefit from Santander Bank's $11 billion community investment. Lehigh Valley nonprofits will reap the benefits of an $11 billion, five-year pledge for community investments by Santander Bank, which in turn will help more of its clients with increased access to loans for homes and businesses.

14	Financial Empowerment Report 2018

4. Finance 5. Resilience

5. Resilience

Helping educate people and improve their quality of life is a major part of Banco Santander's purpose.

As financial processes become increasingly complex we need to improve people's financial knowledge, teaching them to use banking services effectively and generating greater confidence and security in their use, while providing tools and knowledge that facilitate the taking of decisions.

The Bank's focus on financial education is based on four main principles:

Making economic concepts more comprehensible.

Helping people take decisions and protecting the most vulnerable.

Supporting transparency and trust. Promoting ethics, values and social responsibility in business.

+ 360,000

People benefited from financial education programmes in 2018

Financial education initiatives

The various financial education initiatives are divided into three groups:

1	2	3
Training actions,	Training actions, workshops	Websites with
workshops and courses	and master classes in financial	videos, tools,
in schools, social	education with entrepreneurs	courses and
organizations, etc.	and SMEs.	games.

15

Outstanding initiatives by country

Training actions, workshops and courses in schools, social organizations and other institutions

SPAIN - Finanzas para mortales

"Finanzas para mortales", the financial education project promoted by Banco Santander, the University of Cantabria and Santander Financial Institute (SanFi) and the international centre of the UCEIF Foundation, teaches young people and groups at risk of exclusion basic financial concepts to help them in their daily lives.

In 2018, 1,015 sessions were held all over Spain, with more than 25,000 attendees and more than 28,900 hours of training time. And with the support of 900 Santander volunteers, made up of active employees, as well as early retirees and pensioners, who give face-to-face sessions.

Finanzas para Mortales received the award for the best financial education initiative 2018 in the Para Todos Finance Awards, promoted by the Bank of Spain and the National Securities Market Commission.

UK - Scam Avoidance School (SAS)

We continue to volunteer in communities to raise awareness of fraud and scams. Santander colleagues supported local organisations and groups of people in their community by presenting our Fraud and Scam Awareness Workshop.

Santander also runs a Scam Avoidance School (SAS), an engaging campaign to raise awareness of the sophistication of scammers. This is run at UK Santander branches and is free for the public to attend. Santander provided 'Scam Avoidance School' sessions with many local Age UK centres across the country to help raise awareness and knowledge about how older people can protect themselves against scams.

BRAZIL - Programa Escola Brazil (PEB)

A corporate volunteering programme at Santander Brasil in place since 1998 whereby Bank employees, interns and their families undertake financial education initiatives in public schools.

BRAZIL - Parceiros em Açao

Through this programme, Santander promotes training, specialised support and financial education for entrepreneurs, customers and non- customers, in regions with low income where the Santander Microcredit operates. In 2018, more than 2,000 people received this training. Most of them were classes for Venezuelan refugees.

CHILE - Financial Education in Schools Programme

Banco Santander Chile develops with the Public Policies Centre from the Pontificial Catholic University of Chile a financial educationprogram in schools to teach the students basic financial abilities. In 2018, the third edition of this initiative considered the following activities: a course to train directors and leaders of schools; a qualitative research carried out within the Financial Education program "Student Experience with the financial world"; and a "Finances for Daily Life" course, which trained parents and guardians of students of the Fundación Belén Educa network of schools, on issues of basic financial literacy and budget management. Over 57,000 people benefits from this initiative.

Argentina - Network of financial educators

The network of financial educators is made up of volunteer employees of the bank who offer financial education workshops throughout the country. These workshops are mainly aimed at teenagers, children, entrepreneurs and mothers. Each year, more than 2,000 people were trained as a result of this initiative.

USA - Community Development Financial Education Services

Through our Community Development Services and CRA Financial Education programme, the Bank focuses the majority of the financial education efforts in two key areas: financial inclusion for youth in low to moderate income areas, as well as small businesses and entrepreneurs.

16	Financial Empowerment Report 2018

5. Resilience

Training actions, workshops and master classes in financial education with customers

Our strategy to help SMEs reflects the different market conditions in the countries where we operate. We aim to help all businesses of all sizes, both by lending and offering non-financial support, such as training and access to our networks. Our objective is not just to be bank for SMEs, but their partner as they grow. We use our scale to help SMEs find new customers and enter new markets.

To this end, and in order to provide SME customers with all the resources they need to run their businesses efficiency, Banco Santander offers basic and advanced business management courses for small and medium-sized companies, as well as lectures and masterclasses both online and face-to-face, with the aim of boosting their financial management skills, and teaching them how to use the range of financial tools and services available to them to promote and grow their businesses in a sustainable manner.

Non financial solutions programs for SMEs

		We also offer tradditional
	United Kingdom	non financial solutions to
	boost the
	Santander Breakthrough
	internationalisation,
United States		training, employment and
	digitalisation of SMEs.
Business First	Spain	This includes basic and
	Santander Advance	advanced business
		management courses, as
		well as lectures
Mexico	Portugal	and masterclasses to
Santander	Santander Advance	improve their financial
Pyme		management skills,
	Brazil	teaching them how to
	use the diĀfferent
Chile	Programa Avancar	financial tools and
Santander Pyme	Argentina	services available to
Advance	them to promote and
	Santander Rio Advance	grow their businesses in
		an inclusive and
		sustainable way.

Select Me

Select Me, a complement to the Mundo Select financial	Through these initiatives, Santander seeks to
offer, includes a solutions package, unique in the Mexican	empower Mexican women to play an active role
market, which improves the day-to-day lives of Santander	in society, understanding that diversity in the
customers and promotes their professional development.	workplace is essential to enrich work within
In this setting, in April 2018, over 100 Santander Mexico	organisations and meet the needs of the market.
customers participated in the "Your personal brand"
conference, an academic and educational space where they
learned about all the paths and tools that Select Me offers
them to promote their growth as women entrepreneurs.

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Websites with videos, tools, courses and games.

USA

Santander RealFinance This financial education site helps users organise their finances quickly and efficiently through online courses and various tools such as drawing up a spending and savings plan, calculating the real cost of purchasing a car or home, etc.

MEXICO

The ABC of your finances This financial education website is aimed at helping users throughout their lives, from teaching children the value of money and how to save to preparing for retirement as well as becoming financially

independent and embarking on major stages in their lives such as becoming a home owner.

SME advance online courses Members of the SME Advance programme are also offered online financial education

courses to help them manage their small businesses.

BRAZIL

CHILE

Sanodelucas website

Sanodelucas is a financial education website offering users tools and content to help them manage their personal and business finances.

Conta Para Mim website A crowdsourcing platform where users can upload and view videos offering advice on how to take care of their finances.

Financial life online courses

Online courses encouraging users to think about their spending habits, plan and manage their finances and build a healthier relationship with money.

18	Financial Empowerment Report 2018

5. Resilience

POLAND

Finansiaki

Launched by WBK Zachodni in December 2016, this website provides families with information using stories, animation and infographics as well as parent manuals and games to teach people of all ages the basics of financial management and entrepreneurship.

Your family budget

An online educational game aimed at young people and adults where the players manage a virtual household budget and helps them develop an entrepreneurial spirit. The players are able to track the long-term consequences of their decisions which helps teach them about prudent debt culture.

SPAIN

Finance for all

Over the past year the Finance for all initiative has become one of the country's leading financial education projects. It consists of different face-to-face and online courses, and also a website which everyone can access to find answers to their main questions about daily finance topics, and where they can also watch videos with explanations.

In 2016 some 2,051 students attended the face-to-face courses at 34 high schools throughout Spain, with 8,425 hours of training. Finance for all also collaborates with social entities such as Secretariado Gitano, Fundación Integra and the Red Cross, providing 5,835 hours of training to over 2,000 people.

PORTUGAL

Noçoes Básicas de Educaçao Financeira Santander Totta and the Economics Faculty of the Universidade

Nova de Lisboa have uploaded educational videos on financial issues to social media.

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