Business model and value creation model

GRI:
Management of material topics (identified as material in the materiality matrix) for material reporting topic Operational and business resilience3-3

Competitive advantages of our Bank and its Group

We have stable sources of funding, a strong capital and liquidity base and a diversified portfolio of assets.
Our activities are based on a clear, coherent and consistently implemented strategic vision focusing on customer centricity and efficiency in the broadest sense, systematically increased through process simplification, digitalisation and transformation of the Bank into an Agile organisation.
We have an efficient and simple business model, an extensive and diversified scope of business activities and we are part of the Santander Group, which gives us an openness to emerging inorganic growth opportunities and experience in M&A transactions.
Our business scale, the quality of offering, focus on operational excellence and strong orientation towards long-term, partner relations with clients allow our Group to compete effectively with the largest players on the Polish banking market.
As a Group, we have significant potential for further market penetration due to our participation in the consolidation of the banking sector, a wide range of complementary services for retail customer segments, an extensive network of branches throughout Poland, state-of-the-art banking technologies, dynamically developed functionalities, integration of remote distribution channels and competent and flexible staff.