Santander Bank Polska SA, with its registered office in Warsaw, address: al. Jana Pawła II 17, 00-854 Warsaw, entered to the Registry of Businesses of the National
Court Register under KRS 0000008723 kept by the District Court for the city Warsaw, 13th Business Division, REGON930041341, NIP 896 000 56 73, with paid up share
capital of PLN 1 021 893 140.
Dear All,
2024 was a year of fast growth for Santander Bank Polska. We continued to fulfill our purpose of helping people
and businesses prosper. Our financial position, both in terms of capital and liquidity, remains strong and stable,
and our profits provide the base for further work on strategic and business goals.
We have embarked on our new strategy for 2024–2026: “We Help You Achieve More”. The strategy has three key
pillars: Total Experience, Total Digitalisation and Total Responsibility. We seek to build the best experience and
create positive emotions among customers and employees. We also strive to accelerate our digital
transformation. We act in accordance with our values, the highest ethical standards, and sustainable development
goals. We are confident that this is the best way to maximise shareholder value and achieve our ambition of being
the most profitable bank in Poland. We trust that customer satisfaction and employee engagement are key to our
financial success.
The presented achievements prove that we are on the right strategic path. We intend to stay on the course in
the following years to reach our ambitious goals. We can already boast good customer and employee satisfaction
ratings as measured by NPS and eNPS. Moreover, we successfully leverage our capital strength to support our
customers, also in their energy transition. This way, we contribute to positive social and economic change.
At Santander Bank Polska, we constantly enhance service quality and functionality of digital channels, and have
introduced new solutions to improve user experience.
But there is more than that. Investments in cutting-edge technologies such as artificial intelligence, machine
learning and process automation position us as an innovation leader in the financial sector who effectively
responds to the fast-evolving market needs. Importantly, our approach to artificial intelligence is built
on responsibility, transparency and security. This allows us to continuously build and maintain the trust of our
customers.
2024 was a breakthrough year in terms of progressing our sustainability agenda. Our intention was to ensure that
we implement the highest standards for all our stakeholders – customers, employees, shareholders and local
communities.
We have increased cash and mortgage lending volumes in the retail segment. We have accelerated digital
transformation, recording double-digit growth in the number of mobile app users and record sales in the digital
channel. We have launched new products, including a personalised deposit offer, Visa Bonus credit card and
a simple eLoan.
Santander Bank Polska puts a high premium on maintaining superior relationships with business, corporate and
private banking customers. Our ambition is to be their bank of first choice and to achieve the highest market share.
Our relationship-building and acquisition activities have already resulted in satisfactory growth rates with record
business volumes, which were growing much faster than the market last year.
Santander Bank Polska SA, with its registered office in Warsaw, address: al. Jana Pawła II 17, 00-854 Warsaw, entered to the Registry of Businesses of the National
Court Register under KRS 0000008723 kept by the District Court for the city Warsaw, 13th Business Division, REGON930041341, NIP 896 000 56 73, with paid up share
capital of PLN 1 021 893 140.
We are also proud of our many social activities, including educational projects – Finansiaki and Santander Open
Academy – and cybersecurity initiatives. The Santander Bank Polska Foundation together with our customers
donated more than PLN 1.5m to pediatric oncology, and PLN 1.5m to help flood victims in the south of Poland.
Our efforts earned us high ratings in NPS surveys and in the Euromoney Global Private Banking 2024 Awards
ranking. We were recognised as: Golden Bank, Poland's Best International Private Bank, Poland's Best for Next-
Gen and Poland's Best for Investment Research. For the fourth time in a row, we also won the title of The Best
Bank for Companies in the prestigious ranking by Forbes. In addition, we were awarded as The Best Bank for SMEs
by Euromoney.
In 2025, we will continue to pursue our strategy and mission. We will be actively engaged in the technological
evolution, implementing innovations that lie at the core of modern banking. Sustainability, including the financing
of economic transformation, will be high on our agenda. We will also adapt our offering to meet the growing
expectations of our customers, focusing on convenience, security and customer experience. I believe that these
efforts will cement our role as an organisation that shapes the future of banking in Poland and sets the highest
market standards.
I would like to thank our shareholders and customers for their trust, and our employees for their professionalism
and commitment.
Michał Gajewski
President of the Management Board of Santander Bank Polska S.A.
The original polish document is signed with a qualified electronic signature