According to the Polish Development Fund, subsidies under the financial shield totalled PLN 8.742bn. As much as 18% of those funds (PLN 1.569bn) was transferred to Santander Bank Polska customers. 

Currently, the average subsidy for an SME customer of Santander Bank Polska is PLN 113k, whereas the average subsidy for a corporate banking customer is PLN 932k. 7,150 customers have already received positive decisions on subsidy requests under the Polish Development Fund’s financial shield.

In the SME segment, the largest number (almost 1,500) of the successful subsidy requests was filed by customers from retail, wholesale, vehicle repair sectors, while customers from the industrial processing sector accounted for 863 of the successful requests. Further, customers conducting professional, scientific and technical activities filed 666 successful requests, customers from the construction sector filed 635 successful requests, while businesses operating in the accommodation and catering sector filed 546 successful requests. 

To date, among large enterprises, the largest number of positive decisions has been given to distribution and production companies. 

Table 1: successful requests and the average subsidy in the SME segment, TOP 15 sectors  

Subsidies are provided to businesses under the financial shield programme of the Polish Development Fund. Micro, small and medium companies (employing between 1 and 249 people) whose revenue decreased by 25% or more due to COVID-19 can file subsidy requests through online banking, also at Santander Bank Polska. Large enterprises with a consolidated balance sheet total over EUR 43m should apply for aid directly in the Polish Development Fund.

The bank will not charge you with any fees for processing your application. Moreover, Santander Bank Polska has also opened a special service at where you can find, among others, a calculator enabling you to estimate the aid amount and information about the application process. 


Santander Bank Polska Group is the second largest banking institution in Poland in terms of the value of assets. Santander Bank Polska offers financial solutions to personal customers, micro, small and medium enterprises, and domestic and international corporations. The Bank operates one of the biggest networks of branches and partner outlets in Poland as well as renders its services via electronic channels (including mobile banking). It is one of market leaders in terms of the use of modern technologies in banking, consistently developing its brand in line with its strategic goal to achieve the position of the best bank for customers. Loyalty and satisfaction of its customers are the priority for Santander Bank Polska. With this in mind, the Bank regularly implements innovative functionalities to help its customers take care of their personal finances and manage their business finances effectively. The Bank has been a member of the international Santander Group since 2011. The subsidiaries from the Santander Bank Polska Group offer investment funds, insurance, leasing, factoring and other products.

Established in 1857, Santander Group is a leading universal banking group headquartered in Spain. It operates in 10 core markets in Europe and the Americas, and is the largest banking group in the euro zone by market capitalization. Its mission is to help people and businesses prosper while being Simple, Personal and Fair. Santander Group wants to consistently improve itself in terms of being a socially responsible institution. Therefore, it committed itself to earmark over EUR 120bn between 2019 and 2025 for financing investments and eco-friendly solutions and to provide over 10 million people with better access to banking products and services. As at the end of September 2019, the Group had 144m customers (incl. 21 million loyal customers and 36.2 million digital customers, which in total accounts for 51% of active customers), operated 12,700 branches and employed 200,000 people, while the customers’ deposits under management totalled EUR 1.04bn. In the first nine months of 2019 Santander Group made operating profit of EUR 6,180m, i.e. 2% higher YoY.

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