The Santander Group is a Spanish financial and credit group headquartered in Santander, Cantabria. The modern banking group is the result of numerous mergers and acquisitions, the most significant of which was the 1999 merger of Banco Santander and Banco Central Hispano. It offers retail banking, corporate and investment banking, asset management, and insurance. It works with individuals, businesses, and the self-employed. It also offers digital banking.