Banco Santander Central is a financial group that operates in Spain and Latin America. The Company is present in 40 countries and has over 39 million customers. Banco Santander Central is a global Group offering a number of financial services to individuals, companies and institutions. The Company's banking services include retail banking, which is carried out through its network of banks, affiliates and subsidiaries, primarily in Spain, Europe and Latin America; asset management and private banking, which includes asset management (mainly mutual funds and pension funds) and insurance, as well as the private banking business carried in Spain and abroad; global wholesale banking, which covers corporate banking and investment, treasury and capital markets, securities and custody, and online financial services, which includes the provision of banking services via the Internet.