About Santander Bank Polska

SDG: 
Goal 13 - Climate action
Goal 17 - Partnerships for the goals

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).

  • GRI:
  • 102-1 Name of the organization
    Name of the organization
  • 102-2 Activities, brands, products and/or services
    Activities, brands, products and/or services
  • 102-3 Location of organization's headquarters
    Location of organization's headquarters
  • 102-4 Location of operations
    Location of operations
  • 102-5 Ownership and legal form
    Ownership and legal form
  • 102-6 Markets served
    Markets served
  • 102-7 Scale of the organization, including:
    Scale of the organization, including:
  • 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
  • 201-1 Direct economic value generated and distributed
    Direct economic value generated and distributed
  • 103-1 Explanation of the material topics and their boundaries
    Explanation of the material topics and their boundaries
  • 103-2 Management approach to topics identified as material
    Management approach to topics identified as material
  • 103-3 Evaluation of the management approach to topics identified as material
    Evaluation of the management approach to topics identified as material
  • Custom indicator Number of bank access points in Poland, including branches broken down into outlets operated by the bank and partner outlets
    Number of bank access points in Poland, including branches broken down into outlets operated by the bank and partner outlets
  • ESG: E- Enviroment Our approach to the environment
    Our approach to the environment
  • ESG: G – Governance Our approach to corporate governance
    Our approach to corporate governance
  • PRB 2 Impact We will continuously increase our positive impacts while reducing the negative impacts on, and managing the risks to, people and environment resulting from our activities, products and services.
    We will continuously increase our positive impacts while reducing the negative impacts on, and managing the risks to, people and environment resulting from our activities, products and services.

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.

Our financial services

  • Cash management

  • Payment and trade finance services

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

  • Underwriting and brokerage activities

Shareholding structure of Santander Bank Polska S.A.
(as at 31.12.2020)

Shareholding structure of Santander Bank Polska S.A. (as at 31.12.2020)
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
Branches***
468 515 612 576
Partner Outlets
138 134 123 109
Banking centres
Business and Corporate Banking Centres
19 19 12 12
ATMs and CDMs
ATMs
731 774 858 948
CDMs
0 3 4 13
Dual-function machines
930* 923** 900 771
Employees
Number of employees (as at 31.12.)
10,671 10,867 12,641 11,489
Financial results
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%
* of which 426 recyclers
** of which 398 recyclers
*** Including: Branches, Off-side Locations, Santander Zones
  • 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

Santander Bank Polska Group

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.

  • Santander Bank Polska S.A.
    • 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 DAC 1
      • 100% Santander F24 S.A.
    • 100% Santander Inwestycje Sp. z o.o.
    • 60% Santander Consumer Bank S.A.
      • 100% Santander Consumer Multirent Sp z o.o.
        • 100% Santander Consumer Financial Solution Sp. z o.o. 2
        • 0% SCM Poland Auto 2019-1 DEC 3
      • 100% Santander Consumer Finanse Sp. z o.o. 4
      • 50% PSA Finance Polska Sp z o.o. 5
        • 100% PSA Consumer Finance Polska Sp. z o.o. 5
      • 0% SC Poland Consumer 15-1 Sp. z o.o. 6
      • 0% SC Poland Consumer 16-1 Sp. z o.o. 7
    • 50% Santander Towarzystwo Funduszy Inwestycyjnych S.A 5
    • 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] ) 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.