9M'22 Highlights

407

branches

10,502

employees

5.7 mn

total customers

3.2 mn

digital customers

€ 229 mn

underlying attributable profit

15.1 %

RoTE *

407

branches

10,502

employees

5.7 mn

total customers

3.2 mn

digital customers

€ 229 mn

underlying attributable profit

15.1 %

RoTE *

(*) Adjusted RoTE: adjusted based on deployed Group’s Capital calculated as contribution of RWAS at 12%. Using tangible equity, RoTE is 10.1% 

About us

Santander Bank Polska is one of the largest and most innovative financial institutions in Poland. It is also one of the most fastest-growing banks in the country, providing services to individual customers, SMEs and large corporates, and offering financial services to the highest standards, supported by modern banking technology.

Its long-standing experience, plus an innovative approach, enables the Bank to offer modern products via one of the largest distribution in Poland, as well as electronic channels.

The Bank also offers brokerage services, asset and investment fund management, leasing, factoring, and insurance products.

Our history

Santander completed the acquisition of 96% of Bank Zachodni in 2011. In 2013, Bank Zachodni WBK merged with Kredyt Bank, becoming the third largest bank in Poland in terms of assets, liabilities and loan portfolio. In 2018, the bank was rebranded as Santander Bank Polska and acquired the retail business of Deutsche Bank Polska, strengthening its position on the Polish banking market.

Strategic priorities

  • Improve customer satisfaction, remaining at least among the Top 3 in NPS

  • As part of our simplification, digitalize areas and shorten processes in branches and in aftersales services

  • Focus on omnichannel with the goal of increasing the number of digital customers

  • We are strengthening our brand as a socially responsible bank

 

Michał Gajewski

President of Management Board of Santander Bank Polska S.A.

No results found

Non-IFRS and alternative performance measures 

In addition to the financial information prepared in accordance with International Financial Reporting Standards (“IFRS”) and derived from our financial statements, the information above contains certain financial measures that may constitute alternative performance measures (“APMs”) as defined in the Guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority (ESMA) on 5 October 2015 (ESMA/2015/1415en) and other non-IFRS measures (“Non-IFRS Measures”). Such APMs and non-IFRS measures have been calculated using the financial information from Santander Group but are not defined or detailed in the applicable financial reporting framework and have neither been audited nor reviewed by our auditors. While we believe that these APMs and non-IFRS measures are useful in evaluating our business, this information should be considered as supplemental in nature and is not meant as a substitute of IFRS measures. In addition, other companies, including companies in our industry, may calculate or use such measures differently, which reduces their usefulness as comparative measures.  For further details of the APMs and Non-IFRS Measures used by Banco Santander, S.A. (Banco Santander), as the parent company of Santander Group, including its definition or a reconciliation between any applicable management indicators and the financial data presented in the consolidated financial statements prepared under IFRS, please see the Banco Santander´s most recent Annual Report on Form 20-F filed with the U.S. Securities and Exchange Commission, as well as the section “Alternative performance measures” of the annex to Banco Santander´s most recent quarterly Financial Report. These documents are available on Banco Santander’s website (www.santander.com). 

The businesses included in each of the Santander Group primary segments and the accounting principles under which their results are presented in such documents may differ from the businesses included and accounting principles applied in the financial information separately prepared and disclosed by its subsidiaries (some of which are publicly listed) which in name or geographical description may seem to correspond to the business areas covered in such Santander Group documentation. Accordingly, the results of operations and trends shown for the Santander Group´s business areas may differ materially from those of such subsidiaries.