Transparency

  • GRI:
  • Compliance with laws and regulations2-27
    Compliance with laws and regulations
  • Total number of incidents of noncompliance with regulations and/or voluntary codes concerning product and service information and labelling417-2
    Total number of incidents of noncompliance with regulations and/or voluntary codes concerning product and service information and labelling
  • Total number of incidents of noncompliance with regulations and/or voluntary codes concerning marketing communications417-3
    Total number of incidents of noncompliance with regulations and/or voluntary codes concerning marketing communications
  • Total number of discrimination cases406-1
    Total number of discrimination cases
  • Total value of financial and in-kind donations to political parties, politicians and similar parties415-1
    Total value of financial and in-kind donations to political parties, politicians and similar parties

In 2023, the Santander Bank Polska Group recorded:

  • 0 – cases of non-compliance with regulations and voluntary codes concerning labelling and information on products and services.
  • 0 – cases of non-compliance with regulations and voluntary codes governing marketing communications
  • 0 – significant penalties and sanctions for non-compliance with laws and regulations
  • 0 – cases of discrimination
  • 12 – significant cases of employee frauds as a result of which the bank terminated employment contracts pursuant to Article 52 of the Labour Code
  • PLN 0 – donations to political parties, politicians and institutions of a similar nature
  • 17,859 legal proceedings concerning loans indexed or denominated in CHF, with a total claim value of PLN 6.2 billion (compared to 12,225 cases with a total claim value of PLN 3.6 billion as of December 31, 2022), including 2 class actions covered by the Act on Pursuing Claims in Class Proceedings.

At the bank, the identification of non-compliance with laws and regulations is an ongoing process overseen by the bank’s Compliance function. The process encompasses communicating significant changes in laws and guidelines, monitoring the implementation of regulatory projects, approving new products and significant product changes, ongoing verification of contractual templates, communications and advertising, procedures, training and regular monitoring of processes and products.