Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, and Ana Patricia Botin, chairwoman of Santander, pose for a selfie as they attend the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, and Ana Patricia Botin, chairwoman of Santander, attend the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, speaks during the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, speaks during the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, speaks during the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, speaks during the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, and Ana Patricia Botin, chairwoman of Santander, attend the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, and Ana Patricia Botin, chairwoman of Santander, attend the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, and Ana Patricia Botin, chairwoman of Santander, attend the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Ana Patricia Botin, chairwoman of the Spanish bank Santander, speaks as she attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

Hector Grisi, the new CEO of the Spanish bank Santander, attends the annual results presentation at the company's headquarters in Boadilla del Monte, outside Madrid, Spain, February 2, 2023. REUTERS/Violeta Santos Moura 

A cleaner sweeps a street as people wait outside Santander bank in Ronda, southern Spain, January 3, 2023. REUTERS/Jon Nazca 

A man uses an ATM machine at a Santander bank branch in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

The logo of Santander bank is seen outside a branch in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

A woman uses an ATM machines at a Santander bank branch in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

A man uses an ATM machine at a Santander bank branch while a man asks for alms in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

The logo of Santander bank is seen outside a branch in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

An ATM machine is seen outside of a Santander bank branch in Ronda, Spain, October 25, 2022. REUTERS/Jon Nazca 

A man sleeps with his belongings at the entrance of Santander Bank in Barcelona, Spain, October 14, 2022. REUTERS/Nacho Doce 

Rows of newly built hire bikes sponsored by Santander bank are seen at the Pashley bicycle factory in Stratford-upon-Avon, Britain, June 30, 2022. REUTERS/Phil Noble 

Rows of newly built hire bikes sponsored by Santander bank are seen at the Pashley bicycle factory in Stratford-upon-Avon, Britain, June 30, 2022. REUTERS/Phil Noble 

Newly built hire bikes sponsored by Santander bank are seen at the Pashley bicycle factory in Stratford-upon-Avon, Britain, June 30, 2022. REUTERS/Phil Noble 

Rows of newly built hire bikes sponsored by Santander bank are seen at the Pashley bicycle factory in Stratford-upon-Avon, Britain, June 30, 2022. REUTERS/Phil Noble 

A man walks past a mortgage advertisement at a Santander bank branch in Madrid, Spain, June 14, 2022. Picture taken June 14, 2022. REUTERS/Isabel Infantes 

A woman walks past a mortgage advertisement at a Santander bank branch in Madrid, Spain, June 14, 2022. Picture taken June 14, 2022. REUTERS/Isabel Infantes 

People walk past a Santander bank branch in Guernica, Spain, April 26, 2022. REUTERS/Vincent West 

People walk past a Santander bank branch in Guernica, Spain, April 26, 2022. REUTERS/Vincent West 

A man walks past a Santander bank branch in Guernica, Spain, April 26, 2022. REUTERS/Vincent West 

An employee helps a customer at a Santander bank branch in Guernica, Spain, April 26, 2022. REUTERS/Vincent West 

An employee helps a customer at Santander bank branch in Guernica, Spain, April 26, 2022. REUTERS/Vincent West 

Italian banker Andrea Orcel and Banco Santander's chairwoman Ana Patricia Botin attend a trial against Santander over the bank's withdrawal of a CEO job offer to Orcel, in a high court in Madrid, Spain, May 19, 2021. REUTERS/Juan Medina 

Banco Santander's chairwoman Ana Patricia Botin attends a trial against Santander over the bank's withdrawal of the CEO job offer to Italian banker Andrea Orcel, in a high court in Madrid, Spain, May 19, 2021. REUTERS/Juan Medina 

Italian banker Andrea Orcel and Banco Santander's chairwoman Ana Patricia Botin attend a trial against Santander over the bank's withdrawal of a CEO job offer to Orcel, in a high court in Madrid, Spain, May 19, 2021. REUTERS/Juan Medina 

Italian banker Andrea Orcel attends a trial against Santander over the bank's withdrawal of a CEO job offer to him, in a high court in Madrid, Spain, May 19, 2021. REUTERS/Juan Medina 

Italian banker Andrea Orcel attends a trial against Santander over the bank's withdrawal of a CEO job offer to him, in a high court in Madrid, Spain, May 19, 2021. REUTERS/Juan Medina