Results in the governance area

Our results: Governance area

Financial and non-financial metrics of the Santander Bank Polska Group

Wyniki w obszarze ładu korporacyjnego: Mierniki finansowe i niefinansowe Grupy Kapitałowej Santander Bank Polska
2023 2022 2021
Cost of credit risk (CoR) [%] 0.72% 0.59% 0.76%
Cost/Income (C/I) [%] 29.50% 37.90% 59.60%
Dividend payout ratio [%]* 97.01% 29.90% 29.89%
Total Capital Ratio (TCR) [%]** 18.56% 19.74% 18.58%
* Only Santander Bank Polska S.A.
** Data in the respective periods include profits recognised in own funds in accordance with the applicable EBA guidelines.

Selected financial results of Santander Bank Polska Group

Wybrane wyniki finansowe Grupy Kapitałowej Santander Bank Polska S.A.
2023 2022 2021 2020 2019
Profit attributable to shareholders of Santander Bank Polska S.A. (in PLN million) 4 831.10 2 799.10 1 111.70 1 037.20 2 138.30
Profit before tax for the period (in PLN million) 6 850.00 4 353.00 2 057.80 1 880.90 3 244.60
Total assets (in PLN million) 276 651.90 257 517.20 243 017.30 228 748.90 209 476.20
Total equity (in PLN million) 33 691.00 28 465.30 27 213.60 28 658.00 26 979.50
ROE [%] 20.30% 11.90% 4.70% 4.40% 9.70%
Loans/Deposits [%] 76.20% 77.60% 79.00% 82.80% 91.60%
Total Capital Ratio [%] 18.56% 19.74% 19.05% 20.42% 17.07%

Key non-financial data of the Santander Bank Polska Group for the last five years

Podstawowe dane niefinansowe Grupy Kapitałowej Santander Bank Polska za pięć ostatnich lat
2023 2022 2021 2020 2019
Customers (in millions) 7.50 7.40 7.20 7.10 7.20
Electronic banking users (in millions)* 6.40 6.30 5.70 5.40 4.40
Active digital customers (in millions)** 4.20 3.60 3.20 2.90 2.50
Active mobile banking customers (in millions) 3.00 2.70 2.40 2.00 1.60
Branch network 369 385 450 562 665
Santander zones and off-site locations 17 16 13 12 10
Partner outlets 421 433 435 380 317
* Registered users with active access to internet and mobile banking services of Santander Bank Polska S.A. and Santander Consumer Bank S.A.
** Active users of electronic banking services of Santander Bank Polska S.A. and Santander Consumer Bank S.A. who at least once used the services in the last month of the reporting period

Customers of Santander Bank Polska S.A.

Customers of Santander Bank Polska S.A.

Klienci Santander Bank Polska S.A.
2023 2022 2021 2020 2019 2018 2017
Total number of bank customers (in thousands) 5,877 5,695 5,432 5,215 5,050 4,884 4,412
Santander Internet – registered customers (in thousands) 5,012 4,869 4,492 4,179 4,424 4,019 3,388
Santander Internet – active customers (in thousands) 3,497 3,285 2,998 2,757 2,510 2,345 2,056
Santander mobile – active mobile customers (in thousands) 2,608 2,452 2,194 1,865 1,577 1,338 1,094
iBiznes24 – registered businesses (in thousands) 26 20 25 21 18 17 15

Outlets of Santander Bank Polska S.A.

Outlets of Santander Bank Polska S.A.

Placówki Santander Bank Polska S.A.
2023 2022 2021 2020 2019 2018 2017
Number of outlets/branches in Poland in 2022
a. Branches* 336 351 396 468 515 612 576
b. Partner outlets 171 170 164 138 134 123 109
Business and Corporate Banking Centres 6 6 6 19 19 12 12
* Including branches, off-site locations and Santander Zones

ATMs and CDMs of Santander Bank Polska S.A.

ATMs and CDMs

Bankomaty i wpłatomaty Santander Bank Polska S.A.
2023 2022 2021 2020 2019 2018 2017
ATMs 351 472 610 731 774 858 948
CDMs 0 0 0 0 3 4 13
Dual-function machines 890 952 914 930 923 900 771

Achievement of Responsible Banking goals. Data refer to Santander Bank Polska S.A.

Achievement of Responsible Banking strategy goals by Santander Bank Polska S.A.

Wyniki realizacji celów Odpowiedzialnej Bankowości. Dane dotyczą Santander Bank Polska S.A.
No. 2022 results 2023 results
1. Top 10 employers ranking Top Employer Certificate Top Employer Certificate
2. Women in senior positions 34.70% 34.96%
3. Equal Pay Gap ratio 2.00% 1.17%
4. Number of people financially empowered from 1 Jan, 2019 651,453 1,732,963
5. Green finance compliant with SFCS (in PLN m)* 2,668 5,499
6. Electricity from renewable resources (%)** 83.50% 88.00%
7. Elimination of single-use plastics (%) 100% 100%
8. Scholarships, internships and job placements (number) 5,915 17,355
9. Number of people helped*** 493,461 113,089
* Change in the metric presentation: amount in PLN million. SFCS - Sustainable Finance Classification System
** Electricity purchased directly by the Bank
*** The 2022 result was influenced by initiatives implemented as part of humanitarian aid to Ukraine
  • GRI:
  • Annual total compensation ratio2-21
    Annual total compensation ratio

Annual total remuneration index. Data refers to Santander Bank Polska S.A.

The ratio of the total annual remuneration of the highest paid individual in the organisation to the median annual total remuneration including all employees (excluding the highest paid individual) is 1:34.35 (the disclosure includes the undeferred portion of variable cash remuneration paid in 2023 for 2022). If the full amount of variable remuneration awarded in 2023 for 2022 was taken into account, the ratio would be 1:63.77.

In 2022, this ratio was 1:50 and was 13.7 percentage points lower.

  • GRI:
  • Communication and training on anticorruption policies and procedures (indicator reported partially)205-2
    Communication and training on anticorruption policies and procedures (indicator reported partially)

Anti-corruption training in 2023 in numbers

Szkolenia antykorupcyjne w liczbach w 2023 r.
Anti-corruption training Number of employees by job category Number of employees to whom anti-corruption policies and procedures have been communicated % of employees to whom anti-corruption policies and procedures have been communicated Number of employees who have received anti-corruption training % of employees who have received anti-corruption training
Group without the bank 12,072 11,799 97.74% 11,677 96.73%
Members of the bank’s Management Board 11 11 100% 11 100%
Representatives of the bank’s senior management* 64 64 100% 63 98%
Representatives of the bank’s middle management** 1,369 1,369 100% 1,357 99%
Other employees of the bank*** 8,602 8,602 100% 8,495 99%
Total for the bank 10,046 10,046 100% 9,926 99%
* Employees excluding members of the Management Board and middle management of Santander Bank Polska S.A.
** Other managers of Santander Bank Polska S.A.
*** Employees on long-term leave of absence are not included

Key indicators reflecting the performance of the purchasing processes in 2023

Kluczowe wskaźniki odzwierciedlające wyniki polityk procesu zakupowego w 2023 r.
Bank Grupa
Number of suppliers with an annual turnover of more than PLN 50.000 1,640 2,146
Including the number of suppliers subject to qualification 1,010 1,281
Percentage of suppliers – Polish or foreign companies with registered office or branch in Poland 89.50% n/a
Number of completed purchasing processes 384 570
Percentage of new suppliers that have been reviewed for environmental criteria 100% 75.90%
Percentage of new suppliers who have been reviewed for social criteria 100% 61.90%