The starting point for achieving these objectives is an excellent execution of its strategic plan, which has placed Banco Santander as one of the most profitable and efficient banks among its peers. During this new stage, technology will be a key factor with which the bank expects to generate greater value for its shareholders: "Technology is changing banking as we know it, so we are getting Banco Santander ready to make the most of the enormous strengths we have within the Group, such as technology, talent and size. This will help us make the most of the opportunities brought to us by digital innovation and become digital leaders in the financial sector over the next decade," says Santander's Group executive chairman, Ana Botin.