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About us

Santander Bank Polska

We are one of the biggest banks in Poland. The bank as you want it. We feel responsible for our customers and we are accountable to the whole society.

GRI:

[102-1] Name of organization
[102-5] Ownership and legal form

We are the second largest banking group in Poland in terms of the value of assets and a member of the international Santander Group. Last year was a year of major changes for us. We rebranded and integrated into our structure a demerged part of Deutsche Bank Polska in order to keep implementing our strategy under the new brand even more effectively.

Santander Bank Polska S.A. is a parent company of Santander Bank Polska Group and a subsidiary of Banco Santander S.A. As at 31 December 2018, Banco Santander held a 67.47% stake in the bank’s registered share capital and in the total number of votes at the General Shareholders’ Meeting. The remaining shares were held by minority shareholders none of whom exceeded the 5% threshold of votes at the GSM.

Santander Bank Polska is a universal bank listed on the Warsaw Stock Exchange. The shares of Santander Bank Polska are part of the WIG20 index and the WIG-Banks industry index. We are also listed in the RESPECT Index of socially responsible stock exchange companies.

GRI:

[102-2] Activities, brands, products, and services

The bank provides a full range of services for personal customers, SMEs, large companies, corporates and institutions. The bank’s offering is modern, comprehensive and satisfies the diverse customer needs with regard to current and personal accounts, credit, savings, investment, settlement, insurance and card products.

The financial services provided by Santander Bank Polska include:

cash management
payments and trade finance
transactions in the capital, money, FX and derivative markets
underwriting, brokerage and custody services

On 31 December 2018, Santander Bank Polska had close to 5 million customers (4,884k), while the Santander Bank Polska Group provided banking services to nearly 7 million customers.

GRI:

[102-7] Scale of the organization

Santander Bank Polska in numbers

Customers

4,884

Total number of bank customers
(in thousands)
4,019

Santander Internet – registered customers (in thousands)
2,345

Santander Internet – active customers*
(in thousands)

1,338

Santander mobile – mobile banking customers
(in thousands)
17

iBiznes24 – registered businesses
(in thousands)

* The number of active Santander24 users (digital customers) who at least once logged into the bank’s electronic banking system in the last month of the reporting period.

[Custom indicator 6] Number of brand touchpoints in Poland, including branches broken down into outlets run directly by the bank and partner outlets.

Outlets

612

Branches (locations)
124

Partner outlets

Banking Centres

12

Corporate Banking Centres
21

Business Banking Centres

ATMs & CDMs

948

ATMs
13

CDMs
771

Dual function machines

Financial highlights

2,365

Profit attributable to the bank’s shareholders (in PLN m)
2,167

Profit for the period (in PLN m)
183,038.6

Total assets (PLN m)

11.4%

ROE
84.2%

Loans to deposits
14.04%

Capital ratio

Data table:

	2017	2018
Customers
Total number of bank customers (in thousands)	4 412	4 884
Santander Internet – registered customers (in thousands)	3 388	4 019
Santander Internet – active customers*) (in thousands)	2 056	2 345
Santander mobile – mobile banking customers (in thousands)	1 094	1 338
iBiznes24 – registered businesses (in thousands)	15	17
Outlets
Branches (locations)	576	17
Partner outlets	109	124
Banking Centres
Corporate Banking Centres	12	12
Business Banking Centres	21	21
ATMs & CDMs
ATMs	858	948
CDMs	4	13
Dual function machines	900	771
Employees
Number of employees (as at 31 December, 2018)	11 489	12 641
Financial highlights
Profit attributable to the bank’s shareholders (in PLN m)	2 213.1	2 365
Profit for the period (in PLN m)	1 916.2	2 167
Total assets (PLN m)	132 863.3	183 038.6
Total liabilities (PLN k)	112 024 431	159 178 207
Total equity (PLNm)	20 838.8	23 860.4
ROE	11.0%	11.4%
Loans to deposits	88.6%	84.2%
Capital ratio	18.95%	14.04%

GRI:

[102-45] Entities included in the consolidated financial statements

The range of products and services offered by Santander Bank Polska is complemented by specialist products offered by companies which belong to Santander Bank Polska Group. All Group companies are covered by the consolidated financial statements.

Santander Bank Polska S.A. ¹⁾
- 100% Santander Finanse Sp. z o.o.
  - 100% Santander Factoring Sp. z o.o.
  - 100% Santander Leasing S.A.
    - 0% Santander Leasing Poland Securitisation 01 Designated Activity Company ²⁾
  - 100% Santander F24 S.A.
- 100% Santander Inwestycje Sp. z o.o.
- 100% Santander Securities S.A. ³⁾
- 60% Santander Consumer Bank S.A.
  - 100% Santander Consumer Finanse Sp. z o.o.
  - 100% Santander Consumer Multirent Sp. z o.o.
  - 50% PSA Finance Polska Sp. z o.o. ⁴⁾
    - 100% PSA Consumer Finance Polska Sp. z o.o. ⁴⁾
  - 0% S.C. Poland Consumer 15-1 Sp. z o.o. ⁵⁾
  - 0% S.C. Poland Consumer 16-1 Sp. z o.o. ⁵⁾
- 50% Santander Towarzystwo Funduszy Inwestycyjnych S.A. ⁶⁾
- 50% PolFund Fundusz Poręczeń Kredytowych S.A.
- 49% Santander Aviva Towarzystwo Ubezpieczeń na Życie S.A.
- 49% Santander Aviva Towarzystwo Ubezpieczeń S.A.

Did you know?

At the end of 2018, Santander Bank Polska had 612 branches, 36 more than in 2017.
In 2018, the number of digital customers increased by 14% versus 2017 and the number of the mobile application users by 22%.
In 2018 we relocated our head office from Wrocław to Warsaw.