Ownership structure of Santander Bank Polska share capital as at 31.12.2024 | Ownership structure of Santander Bank Polska share capital as at 31.12.2023 | |
---|---|---|
Banko Santander S.A. | 62.20% | 67.41% |
Non-controlling shareholders | 37.80% | 32.59% |
About Santander Bank Polska Group
Ownership structure and profile
Ownership structure of share capital
Share capital
As at 31 December 2024, the share capital of Santander Bank Polska S.A. totalled PLN 1,021,893,140, divided into 102,189,314 ordinary bearer shares with a nominal value of PLN 10 each.
Ownership structure of Santander Bank Polska share capital as at 31.12.2024
Ownership structure of Santander Bank Polska share capital as at 31.12.2023
Profile of the organisation
Legal form
Santander Bank Polska S.A. with its registered office in Warsaw started operations in 1989 as one of the first universal commercial banks in post-war Poland. Since 1993, it has been listed on the Warsaw Stock Exchange. After several ownership changes and more than 30-year presence on the Polish banking market, it was the second largest bank in terms of market capitalisation and third in terms of total assets as at 31 December 2024.

The Bank is a parent entity of Santander Bank Polska Group and forms a domestic bank holding group as defined in the Polish Banking Law Act together with its related entities, including Santander Consumer Bank S.A. (a domestic subsidiary bank). It is also registered as a foreign bank holding group with Spain-based Banco Santander S.A. as the ultimate parent entity. No financial support agreements referred to in Article 141t of the Polish Banking Law Act have been concluded as part of the above-mentioned holding groups.
Santander Bank Polska S.A. operates in Poland and has standard business and operational relationships with foreign banks and financial institutions. It also provides services to foreign customers and cooperates with Santander Group companies on a large scale. The Bank does not conduct active crossborder operations in other countries.
Business model of Santander Bank Polska Group
Business profile
Santander Bank Polska S.A. is a universal bank which provides a full range of services for personal customers, SMEs, large companies, corporates and public sector institutions. The Bank’s offer is modern, comprehensive and satisfies diverse customer needs with regard to bank accounts and credit, savings, investment, settlement, insurance and card products. The financial services of Santander Bank Polska S.A. also include cash management, payments, trade finance and transactions in the capital, money, FX and derivative markets, as well as underwriting and brokerage services.

The Bank continuously develops its product range to ensure that solutions offered to customers are transparent, simple, digital, flexible and available in self-service channels. It offers unique solutions which are developed within Santander Group based on its global presence, infrastructure and market potential. Customers are provided with comprehensive services in traditional sales channels and in technologically advanced remote channels. The Bank’s outlets are located Poland-wide.
The Bank’s own product range is complemented by specialist products offered by its group of related companies, including: Santander Towarzystwo Funduszy Inwestycyjnych S.A., Santander Leasing S.A., Santander Factoring Sp. z o.o., Santander Allianz Towarzystwo Ubezpieczeń S.A. and Santander Allianz Towarzystwo Ubezpieczeń na Życie S.A. In cooperation with all these companies, the Bank provides its customers with access to investment funds, asset portfolios, insurance, leasing and factoring products.
Santander Consumer Bank S.A. and its subsidiaries form a separate business segment with its own customer base, product range and distribution channels. It offers credit facilities to households, mainly in the consumer finance and car finance sectors. It also provides financing to businesses, mainly car dealers and importers. Santander Consumer Bank Group offers consumer loans, car finance through car loans, lease and factoring, credit facilities for car dealers, retail and business deposits and insurance products.
As at 31 December 2024, Santander Bank Polska Group provided banking services to 7.5m customers, including 1.5m customers of Santander Consumer Bank S.A
7.5 m Group customers
Group’s strengths
Santander Bank Polska Group has stable sources of funding, solid capital and liquidity position and a diversified asset portfolio. The Group’s competitive edge is built on a clear and consistent strategic vision focused on customers and employees and continuous improvement of quality, effectiveness and security of processes through their simplification and digitalisation. What also gives the Group an advantage is an effective and simple business model, robust risk management system, extensive and diversified business profile, functional and well-integrated distribution channels as well as membership in Santander Group. The Group also greatly contributes to sustainable development through undertaking measures to reduce emissions, financing sustainable goals and building the ESG culture.
The business scale, quality of products and services, pursuit of operational excellence and strong focus on building lasting relationships with customers and employees allow the Group to compete successfully with the largest players in the Polish banking market, while supporting the economic, social and environmental development.