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Santander’s Business Model

  • Kimio Kase
  • Tanguy Jacopin
Chapter
  • 88 Downloads
Part of the Palgrave Studies in Banking and Financial Institutions book series (SBFI)

Abstract

In Chapter 3, Business Model, we described and analysed the generic model (or ‘ideal type’) of the most successful Spanish retail banks. In this chapter, we now explore our theory that Santander uses a Profit-Arithmetic (PA) model that follows the strategic course set by the top executives, namely, Emilio Botín and Alfredo Sáenz.1 and 2 This claim helps to explain the success of the bank, and assumes that the ability of Santander to remain focused on retail banking is based on three factors — a penchant for size and growth, operational efficiency, and IT systems.3

Keywords

Information Technology Business Model Cost Efficiency Efficiency Ratio Consumer Finance 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.

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Copyright information

© Kimio Kase and Tanguy Jacopin 2008

Authors and Affiliations

  • Kimio Kase
    • 1
  • Tanguy Jacopin
    • 1
    • 2
  1. 1.IESE Business SchoolSpain
  2. 2.CIFF FundaciónSpain

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