Santander is the largest universal bank in the eurozone and one of the leading financial groups worldwide. It operates in key segments: retail, commercial and corporate banking, asset management and insurance, and payments. The Group focuses on 10 core markets in Europe and the Americas. It is a leader in Spain and a top bank in several Latin American countries. Santander has a strong presence in the UK, Portugal, Poland, and the northeastern United States. The bank offers a wide range of financial products and services for individual customers, small and medium-sized enterprises, and large corporations. Santander is developing digital channels and innovative technological solutions. The bank is committed to sustainable development and responsible banking practices. In Poland, the Group holds a majority stake in Santander Bank Polska, one of the largest banks in the country.