ESG Service ESG Report 2020
Zmiana wielkości czcionki
wersja polska english version

Aid to small and medium-sized enterprises

GRI:[ ]
PRB:[ ]

  • GRI:
  • 103-1 Explanation of the material topics and their boundaries for the topic: Digitization and innovation
    Explanation of the material topics and their boundaries for the topic: Digitization and innovation
  • 103-2 Management approach to topics identified as material for the topic: Digitization and innovation
    Management approach to topics identified as material for the topic: Digitization and innovation
  • Custom indicator Products and initiatives for small and medium-sized enterprises (SMEs)
    Products and initiatives for small and medium-sized enterprises (SMEs)
  • Custom indicator Main activities to ensure customer satisfaction
    Main activities to ensure customer satisfaction
  • PRB 3 Clients and Customers We will work responsibly with our clients and our customers to encourage sustainable practices and enable economic activities that create shared prosperity for current and future generations.
    We will work responsibly with our clients and our customers to encourage sustainable practices and enable economic activities that create shared prosperity for current and future generations.

We have introduced credit concessions and solutions to improve liquidity.

  • We made it possible to defer the repayment of principal or principal and interest instalments under loan agreements for 3 or 6 months (11,800 customers benefited from the offer; the value of deferred instalments amounted to PLN 236.7 million).
  • We offered the option of lease payments deferral, free of charge, for a period of 3 or 6 months. The suspension covered the fixed part of the payment, which means that during the grace period the customer paid only the variable (interest) part. The suspended principal was spread proportionally over the remaining period and the final term of the lease agreement and the repayment date did not change.
  • We provided automatic deferral of overdraft repayment for 2 months without charging an overdraft extension fee (6,743 customers benefited from the offer, and the total value of deferred loans was PLN 845.94 million).
  • We suspended the reduction of the overdraft limit (405 customers benefited from the offer).
  • We extended the final loan repayment term by 6 months for customers who took advantage of the grace period (1,458 customers benefited from the offer).
  • We reduced the principal instalments payable in the next 12 months by 50%, with a simultaneous extension of the loan period by 12 months (654 customers benefited from the offer).
  • We implemented the application for the PFR’s Anti-Crisis Shield aid program in corporate internet banking (53,000 of our corporate and business customers received over PLN 9.5 billion).
  • We exempted customers from the fee for Business Account Worth Recommending for 3 months (82,100 customers took advantage of the promotion; the total amount of fee waivers was PLN 1.59 million).
  • We exempted the bank’s customers most severely impacted by COVID-19 from regular terminal fees.
  • We postponed the date of payment of the annual premium for Business Guarantor insurance for instalment loans and extended the period of insurance cover for overdrafts.
  • We have temporarily suspended the charging of management fees and fees for non-compliance with the minimum monthly deposit limit to SME clients.

We have developed remote service channels.

  • We have introduced the sale of Partner in Business and Partner in Business Plus insurance by telephone/email.
  • We have developed the functionality of Poczta 2.0, thus enabling customers to conclude agreements remotely and to carry out processes available so far only in the branch.
  • We provided selected customers with buy-by-click Smart Loans via the internet. Under the offer, customers could an overdraft facility worth between PLN 5,000 and PLN 100,000, but not more than the amount available without a promissory note. We will develop this offer further in 2021.
  • We have introduced new eServices for sole traders in Mini Firma: eInvoicing, eCollection and eContracts, provided by external partners.

eFactoring

Online invoice financing, an ideal way to improve company's financial liquidity. Supplier: NFG S.A.

Benefits for customers:

  • no need to wait for the contractor to pay the invoice,
  • cash available in the account in as little as 5 minutes,
  • financing up to 100% of the net invoice value.

  • 177

    integrations

  • 4 million

    financing worth

eCollection

A service that enables the recovery of receivables from overdue invoices. The customer uploads an overdue invoice into the system and the rest is taken care of by the service provider. Supplier: BEST S.A.

Benefits for customers:

  • fee for success only, i.e. the commission is calculated on the amount of money recovered,
  • guarantee of safe and ethical negotiations,
  • debt recovery while maintaining good relations with counterparties.

  • 2,331

    integrations

  • 465,000 PLN

    value of invoices

eContracts

a tool for concluding contracts online: generating the provisions, negotiating conditions, confirming agreement execution and verifying the identity of counterparties. Supplier: LawBiz Technology Sp. z o.o.

Benefits for customers:

  • no need to print and sign paper documents,
  • ensuring that contract templates are up-to-date, in line with current legislation, and do not contain any legal flaws,
  • access to contracts 24/7,
  • The service is free of charge for Santander company customers who are sole traders and use Mini Firma service.

We have made it easier for customers to install payment terminals.

  • We implemented a fully remote process of purchase and installation of payment terminals. All the customer had to do was to fill in the appropriate form or call the bank’s helpline. The agreement for the tool was sent to the customer’s email address and the customer could accept the document remotely. The terminal was then delivered to the customer by courier, and training in the terminal operation was conducted over the phone by an Elavon representative.
  • We have extended the free use of the terminal during the lockdown period under the Cashless Transactions Support Programme.

Together with external partners, we launched activities to raise awareness of the Anti-Crisis Shield aid programme.

  • We have provided support to our customers by working with inFakt.

We launched a free helpline where customers could talk to an accountant and get information about government aid scheme, benefits for entrepreneurs or remote accounting services.

We organised two webinars, during which an inFakt tax advisor presented the range of Anti-Crisis Shield solutions and answered questions of entrepreneurs.

Webinar 31 March 2020

  • 3,000

    live participants

  • 59,000

    views

Webinar 20 April 2020

  • 3,000

    live participants

  • 16 thousand

    views

  • We offered dedicated support to companies affected by the pandemic (PFR Anti-Crisis Shield 1.0, PFR Anti-Crisis Shield 2.0).

We helped our clients to apply for subsidies from the PFR 1.0 and PFR 2.0 Anti-Crisis Shields via electronic banking. Advisors proactively informed entrepreneurs about the possibilities to receive a subsidy, assisted them in completing applications and supported in the process of filing complaints with PFR and obtaining all necessary documents and statements.

PFR Anti-Crisis Shield 1.0

  • 52,664

    clients who benefited from the subsidy

  • 9,535.5 PLN million

    total aid value

  • 16%

    of the bank’s share in disbursed subsidies

PFR Anti-Crisis Shield 2.0

  • 7,159

    clients who benefited from the subsidy

  • 1,164.7 PLN million

    total aid value

  • We have also launched bonds issued by POLFUND Credit Guarantee Fund. From October 2020, thanks to this additional service, entrepreneurs do not have to block their own funds until the time of the tender award. This solution is offered to sole traders. Each customer receives an automatically renewable limit of PLN 50,000 for a period of 30, 60, 90 or 120 days. Entrepreneurs can apply for bonds on the santander.pl/ewadia website. The process is completely remote, takes a few minutes and the bonds granted are accepted in all public tenders in the country.