We are one of the three largest banks in the Polish banking sector and, taking into account our ownership structure, the largest private bank in the country. We are the parent company of the Santander Bank Polska Group. (which altogether provides services to over 7.1 million customers).
Our company is listed on the Warsaw Stock Exchange and its shares are included among others in the most important WIG20 index, WIG-Banks sector index and WIG-ESG index of socially responsible listed companies.
As a universal bank, we offer a full range of services to individual and institutional customers, from small and medium-sized enterprises to the largest companies and corporations and public sector institutions.
We have one of the largest networks of branches and partner outlets, and we provide services through electronic channels, including mobile banking. Our mission is to help people and businesses prosper and our vision is to become the best retail and business bank, earning the lasting loyalty of employees, customers, communities and shareholders. Customer-centricity, or adapting to the needs of our customers, is our priority.
Cash management
Payment and trade finance services
Capital market, money market, foreign exchange and derivative transactions
Underwriting and brokerage activities
| Banco Santander S.A. | 67.41% |
| Other shareholders | 32.59% |
| 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|
| Customers | ||||
|
Total number of bank customers (in thousands)
|
5,215 | 5,049.5 | 4,884 | 4,412 |
|
Santander Internet – registered customers (in thousands)
|
4,179 | 4,424 | 4,019 | 3,388 |
|
Santander Internet – active customers (in thousands)
|
2,756.5 | 2,510 | 2,345 | 2,056 |
|
Santander mobile – active mobile customers (in thousands)
|
1,865 | 1,577 | 1,338 | 1,094 |
|
iBiznes24 – registered businesses (in thousands)
|
21 | 18 | 17 | 15 |
|
Outlets
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Branches***
|
468 | 515 | 612 | 576 |
|
Partner Outlets
|
138 | 134 | 123 | 109 |
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Banking centres
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Business and Corporate Banking Centres
|
19 | 19 | 12 | 12 |
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ATMs and CDMs
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ATMs
|
731 | 774 | 858 | 948 |
|
CDMs
|
0 | 3 | 4 | 13 |
|
Dual-function machines
|
930* | 923** | 900 | 771 |
|
Employees
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Number of employees (as at 31.12.)
|
10,671 | 10,867 | 12,641 | 11,489 |
|
Financial results
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Profit attributable to shareholders of the bank (in PLN million)
|
1,037.2 | 2,138.3 | 2,365 | 2,213.1 |
|
Profit for the period (in PLN million)
|
738.4 | 2,113.5 | 2,167 | 1,916.2 |
|
Total assets (in PLN million)
|
203,140.5 | 181,471.5 | 183,038.6 | 132,863.3 |
|
Total liabilities (in PLN million)
|
177,717.7 | 157,293.9 | 159,178.2 | 112,024.4 |
| Total equity (in PLN million) | 25,422.8 | 24,177.6 | 23,860.4 | 20,838.8 |
|
ROE
|
3.3% | 10.1% | 11.4% | 11.0% |
|
Loans/Deposits
|
73.9% | 81.8% | 84.2% | 88.6% |
|
Capital ratio
|
23.34% | 19.58% | 14.04% | 18.95% |
2nd
Santander Bank Polska’s ranking in the domestic market in terms of the number of ATMs and CDMs
28
The number of new recyclers installed, i.e. dual-function ATMs with a closed cash cycle
The Santander Bank Polska Group encompasses Santander Bank Polska S.A. and companies offering specialised products to customers, including investment funds, brokerage services, insurance, leasing and factoring. All Group companies are capital related and covered by consolidated financial statements.
[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] ) Information regarding Santander Consumer Financial Solutions Sp. z o.o. is presented in Chapter X of the Management Report on the Activities of the Santander Bank Polska Group in 2020
[3] Information regarding SCM Poland Auto 2019-1Designated Activity Company is presented in Chapter X of the Management Board Report on the Activities of Santander Bank Polska Group in 2020.
[4] The Extraordinary General Meeting of Santander Consumer Finanse Sp. z o.o. on 23 December, 2020 decided to dissolve the company and put it into liquidation as of 31 December, 2021.
[5] 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.
[6] 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.
[7] 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.
