- About Santander
Bank Polska - Strategy
and Management - Customers
- Introduction
- Our priorities – Bank As You Want It
- Multichannel approach – anyway you like it
- Accessible to all – You can count on us
- Security first
- Excellent customer service
- Ethical communication – simple and friendly language
- Responsible selling and prevention of misselling
- Our approach to complaints
- Knowledge that pays off
- Products and initiatives for retail customers
- Products and initiatives for SME customers
- Products and initiatives for customers of the Business and Corporate Banking Division
- Corporate and investment banking
- Support to customers in financial difficulty
- Employees
- Social
Engagement - About
the report
Strategy and financial performance
GRI:
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[103-1, 103-2, 103-3]
Key reporting aspect: Bank's strategy and development directions
Key reporting aspect: Bank's strategy and development directions
Go to GRI list -
[Custom indicator 1]
Description of the bank’s strategy, including its approach to managing issues related to corporate social responsibility and sustainable development
Description of the bank’s strategy, including its approach to managing issues related to corporate social responsibility and sustainable development
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[102-15]
Key impacts, risks, and opportunities
Key impacts, risks, and opportunities
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Our vision, mission and values
We know perfectly well what we are aiming for, the role we want to fulfil in the economic system and the values that guide us towards the achievement of our business and social objectives.
“If one does not know to which port one is sailing, no wind is favourable”.
Vision defines our purpose:
To be the best retail and commercial bank and earn the lasting loyalty of people, customers, shareholders and communities.
Our mission encourages us:
To help people and businesses prosper.
Our vision is reflected in specific measures taken with respect to the key stakeholder groups. Below are the objectives of the bank and the entire Capital Group for 2018-2020:
As part of its strategy for 2018-2020, Santander Bank Polska intends to:
Become a leading bank in terms of service quality, focusing on customer needs and expectations,
Anticipate and respond to customers’ needs with tailored products, services and solutions,
Build long-term relationships with customers based on trust, loyalty and enhanced customer experience,
Modernise banking services through digital transformation, including end-to-end processes and changes to the operating model towards a more effective and less capital-intensive one,
Create an engaging work environment through collaboration, communication and bottom-up initiatives raised in all the bank’s units,
Grow faster than peers,
Become the best retail and commercial bank earning the lasting loyalty of employees, customers, shareholders and local communities.
GRI:
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[201-1]
Direct economic value generated and distributed
Direct economic value generated and distributed
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Financial results and position in the banking sector
Santander Bank Polska is Poland’s third largest bank in terms of total assets among a group of 35 commercial banks.1 As at the end of 2017, the market share of the Santander Bank Polska Group was 9.8% for loans and 9.4% for deposits.2
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3rdPoland’s largest bank in terms of total assets
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9.8%share of the loans
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9.4%share of the deposits
[1] Based on the data released by the KNF Office as at the end of September 2017.
[2] According to NBPNational Bank of PolandNational Bank of Poland statistics concerning the banking sector.
Direct economic value generated and distributed, including revenues, operating costs, employee wages, grants and other community investment, retained earnings and payments to capital providers and to government agencies (in PLN k):
GRI:
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[Custom indicator 20]
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[203-2]
Significant, indirect economic impacts
Significant, indirect economic impacts
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| Data in PLN k | 2016 | 2017 |
|---|---|---|
| Revenues | 5,728,009 | 5,582,658 |
| Operating costs | 1,836,861 | 1,833,305 |
| Employee wages and benefits | 1,176,103 | 1,216,677 |
| Payments to investors | 535,866 | 307,627 |
| Payments to government | 587,383 | 487,921 |
| Community investments | 14,549 | 12,456 |
| Economic value retained | 1,577,247 | 1,724,672 |
To read about the bank’s financial results in more detail, click HERE
General assumptions of our financial plan for 2018-2020:
- Increase in recurring net profit.
- Positive growth trends in interest and fee income.
- Cost management discipline resulting in reduction of the cost to income ratio.
- Improvement of the credit portfolio quality.
- Slower increase in the average risk weighted assets compared with loans and advances.
