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    Our business

    Our strategy

    We serve the people and businesses who are the engines of growth. Our four strategic priorities show us how.

Delivering sustained prosperity

We capitalise on our unique footprint and diverse experience to create value for our business, our customers, and our communities. Together, we’re developing new economies for the decades ahead.

Our strategy aligns us with the major engines of global growth

Dr José Viñals, Group Chairman

Our four strategic priorities

Whether they’re growing their wealth or their business, we help clients manage and invest their finances with confidence

  • Network business

    Through our unique network, we facilitate investment, trade and capital flows

  • Affluent client business

    We offer outstanding personalised advice, helping clients prosper internationally and at home

  • Mass retail business

    We deliver banking solutions which integrate digital solutions into our clients’ everyday lives

  • Sustainability

    We continue to focus on sustainable and transition finance, promoting social and economic growth

Our business model

We support individuals and local businesses to grow their wealth, while helping international companies maximise opportunities across our global network

A woman with a clipboard gives information to a client in an office.


Business solutions

We support companies across the world, from small and medium-sized enterprises to large corporates and institutions, both digitally and in person.

priority banking meeting


Tailored wealth services

We support small businesses and individuals, from mass retail clients to affluent and high-net-worth individuals, both digitally and in-person.

SC Ventures

Funding partnerships

We promote innovation, invest in disruptive financial technology and explore alternative business models. Our pipeline of over thirty ventures includes two cloud-native digital banks.