Corporate Social Responsibility Report 2019
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About Santander Bank Polska

GRI:
  • [102-1] Name of the organization Name of the organization

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  • [102-2] Activities, brands, products and/or services. Activities, brands, products and/or services.

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  • [102-5] Ownership and legal form Ownership and legal form

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  • [102-6] Markets served Markets served

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  • [102-7] Scale of the organization Scale of the organization

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  • [102-45] List of all entities included in the organization’s consolidated financial statements List of all entities included in the organization’s consolidated financial statements

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  • [201-1] Direct economic value generated and distributed Direct economic value generated and distributed

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  • [Custom indicator] Number of the bank’s access points in Poland, including branches, broken down into branches operated directly by the bank and partner outlets Number of the bank’s access points in Poland, including branches, broken down into branches operated directly by the bank and partner outlets

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Santander Bank Polska S.A. is the parent company of the Santander Bank Polska Group, which provides services to 7.2 million customers1. The bank is listed on the Warsaw Stock Exchange. Our shares are part of the WIG20, WIG-Banks (industry index) and WIG-ESG (index of socially responsible stock-exchange companies).

We are a universal bank, offering a full range of services to retail customers, small and medium-sized companies and large enterprises, corporations and public sector institutions. We are among the top three largest banks in the Polish banking sector. Taking into account our ownership structure, we are the largest private bank in Poland.

Financial services provided by Santander Bank Polska

  • cash management

  • payment and trade finance services

  • capital market, money market, foreign exchange and derivative transactions

  • underwriting and brokerage activities

Our proposal responds to customers’ needs in the area of current accounts, credit products, savings and investment, clearing, insurance and card products. We provide comprehensive services in stationary branches, partner outlets and via online and mobile banking channels.

1 Including 2.2 million customers of Santander Consumer Bank S.A. Data valid as at 31 December, 2019. 

Shareholding structure of Santander Bank Polska
(as at 31 December, 2019)

Shareholding structure of Santander Bank Polska (as at 31 December, 2019)
Banco Santander S.A. 67.47%
Other shareholders 32.53%

Santander Bank Polska in numbers

 

2019 2018 2017
Customers
Total number of bank customers (in thousands) 5,049.5 4,884 4,412
Santander Internet – registered customers (in thousands) 4,424 4,019 3,388
Santander Internet – active customers* (in thousands) 1,962.3 2,345 2,056
Santander mobile – mobile banking customers (in thousands) 1,577 1,338 1,094
iBiznes24 – registered businesses (in thousands) 25.5 17 15
Outlets
Branches (locations) 515 612 576
Partner outlets 134 123 109
Banking Centres
Business and Corporate Banking Centres 19 12 12
ATMs & CDMs
ATMs 774 858 948
CDMs 3 4 13
Dual function machines 923* 900 771
Employees
Number of employees (as at 31 December, 2019) 10,867 12,641 11,489
Financial highlights
Profit attributable to the bank’s shareholders (in PLN m) 2,138.3 2,365 2,213.1
Profit for the period (in PLN m) 2,113.5 2,167 1,916.2
Total assets (PLN m) 181,471.5 183,038.6 132,863.3
Total liabilities (PLN m) 157,293.9 159,178,207 112,024,431
Total equity (PLN m) 24,177.6 23,860.4 20,838.8
ROE 10.1% 11.4% 11.0%
Loans to deposits 81.8% 84.2% 88.6%
Capital ratio 19.58% 14.04% 18.95%

*Including 398 recyclers

  • The bank was ranked third on the Polish market in terms of the number of ATMs and second in terms of the number of cash deposit machines.
  • We were the first bank in the world to install the latest closed-cycle ATM recycler DN S200 characterised by a modern design and equipped with a large touch screen and state-of-the-art technology.
  • In 2019, as part of the self-service channel development programme, the bank implemented a new screen visualisation in approximately 1.3 thousand machines. adapted to the needs of people with visual impairments (e.g. talking ATMs, high contrast option).

Santander Bank Polska Group

Santander Bank Polska and its affiliated companies offering specialist products form the Santander Bank Polska Group. This gives the bank’s clients access to investment funds, asset management, insurance, leasing and factoring products. All companies of the Santander Bank Polska Group 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 Activiti 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.

[1] Santander Leasing Poland Securitization 01 Designated Activity Company with its registered office in Dublin is a special purpose vehicle incorporated on 30 August 2018 for the sole purpose of securitisation
of lease and credit portfolio. The company does not have any capital or personal connections with Santander Leasing S.A. which exerts control over the entity.
[2] It is the opinion of the Management Board of Santander Bank Polska S.A. that the shareholding of Santander Consumer Bank S.A. (SCB S.A.) in PSA Finance Polska Sp. z o.o. is a subsidiary undertaking for the purposes of the consolidated reporting given the direct control exerted by SCB S.A. and indirect control by Santander Bank Polska S.A.
[3] SC Poland Consumer 15-1 Sp. z o.o. and SC Poland Consumer 16-1 Sp. z o.o. are SPVs set up for the purpose of securitisation of a part of SCB S.A. credit portfolio. Their shareholder is a legal person that has no ties with the Group. The companies are controlled by SCB S.A. as they meet the conditions laid down in IFRS 10.7.
[4] Both owners of Santander Towarzystwo Funduszy Inwestycyjnych S.A. (Santander TFI S.A.), i.e. Santander Bank Polska S.A. and Banco Santander S.A., are members of Santander Group, each holding an equal stake of 50% in the company’s share capital. Santander TFI S.A. is controlled by Santander Bank Polska S.A.