Santander Bank Polska S.A. z siedzibą w Warszawie, przy al. Jana Pawła II 17, 00-854 Warszawa, zarejestrowana w Sądzie Rejonowym dla m. st. Warszawy
w Warszawie, XIII Wydział Gospodarczy Krajowego Rejestru Sądowego pod nr. KRS 0000008723. NIP 896-000-56-73. REGON 930041341. Wysokość kapitału
wpłaconego 1 021 893 140 zł.
Dear All,
2025 was a breakthrough year for Santander Bank Polska Group. In May, Erste Group announced its intention to acquire
49% of our Bank’s shares. The transaction was closed on 9 January 2026. Despite the intensive work related to the
upcoming change of our main shareholder, we consistently executed our strategy and followed our business objectives.Our
efforts remained focused on helping our customers and employees prosper. Profit for the period was more than PLN 6,7
billion providing a solid foundation for continued, sustainable growth. The Group’s financial standing remained strong,
both in terms of capital position and liquidity.
Our strategy is based on three core pillars: Total Experience, Total Digitalisation and Total Responsibility. We focus on
delivering exceptional customer and employee experiences, and continue to accelerate our digital transformation. We
strongly believe this approach supports long-term value creation for our shareholders and reinforces our ambition to be
the most profitable bank in Poland. Our efforts have been recognised through high NPS scores, and numerous independent
awards, including Poland’s Best International Private Bank and Poland’s Best for Succession Planning in the Euromoney
Global Private Banking 2025 Awards, and Best Investment Bank in Poland in the Euromoney Awards for Excellence 2025,
Forbes’ Diamond for Santander Factoring, and the award from GPW Benchmark S.A. for Santander TFI.
In the area of ESG, we continued our social and educational initiatives. In 2025, more than 1.6 million people benefited from
our social support programmes. The value of sustainable finance extended by Santander Bank Polska Group exceeded PLN
10 billion. Santander Bank Polska Foundation was very active, organising over 260 volunteering initiatives that engaged
nearly 3,000 participants.
Our hearts beat for entrepreneurs — we stay close to their needs, priorities and everyday successes. In 2025, we
concentrated on digital solutions. We enabled online and mobile updates of company data, introduced the multi currency
feature for business cards, and launched online opening of foreign currency accounts in 11 additional currencies. We also
improved the efficiency of our financing processes.
The Business and Corporate Banking Division continued to implement its growth agenda underpinned by our key priorities.
Strong relationship management and acquisition efforts contributed to sustained positive trends across business lines and
ensured healthy credit portfolio quality. We reported solid growth in the number of mobile customers and the volume of
performing loans.
Our Investment and Corporate Banking Division contributed to financing one of Poland’s key defence sector projects, further
strengthening our longstanding and trusted partnership with Bank Gospodarstwa Krajowego.
In retail banking, we delivered excellent financial results, with ongoing transformation driving productivity and efficiency.
We also intensified our focus on the promising youth segment, launching, among other things, a mobile application and a
new account opening process for children aged 7–12, as well as the “Smart from the Start” communication platform. At
the same time, the Bank increased cash and mortgage loan and deposit volumes, as well as investment funds’ assets.
It was another great year for Santander Leasing, which extended PLN 853m in green finance. This strong growth of 38%
YoY confirms that we are instrumental to the development of modern, low-emission businesses.
Santander Brokerage Poland reinforced its market position with an upgraded offering, including enhanced investment and
advisory services.
Santander TFI reported a record-breaking asset level, closing the year with over PLN 30bn in assets. At the same time, the
number of sold individual pension accounts (IKE) and individual pension security accounts (IKZE) increased by as much as
136%.
In 2025, our Bank completed the sale of a majority stake in Santander Consumer Bank. I would like to thank our colleagues
from SCB for many years of cooperation and wish them continued success in their future endeavours.
Santander Bank Polska S.A. z siedzibą w Warszawie, przy al. Jana Pawła II 17, 00-854 Warszawa, zarejestrowana w Sądzie Rejonowym dla m. st. Warszawy
w Warszawie, XIII Wydział Gospodarczy Krajowego Rejestru Sądowego pod nr. KRS 0000008723. NIP 896-000-56-73. REGON 930041341. Wysokość kapitału
wpłaconego 1 021 893 140 zł.
Throughout the year, our focus was on ensuring that new technologies bring meaningful benefits to our employees and
customers. Artificial intelligence became an important element of our daily work, enhancing both customer-facing and
back-office processes. AI-based assistants and chatbots support everyday tasks, enabling us to offer more convenient and
accessible services.
Cybersecurity and fraud prevention remain our strategic priorities. With our comprehensive approach, we keep upgrading
the solutions offered to customers, developing our technologies, and adjusting policies and internal regulations to reflect
emerging risks and industry best practice. We also invest in security systems and actively educate our customers in this
area.
The results presented in our report confirm that we made the right choice of the development path. We efficiently employ
our capital to support customers and contribute to positive social and economic change. I would like to express my gratitude
to all employees of Santander Bank Polska Group for their exceptional engagement during this very special year and for the
strong execution of our objectives. I believe the new chapter in our organisation’s history will bring new development
opportunities. I am confident that joining Erste Group will pave way to excellent cooperation with Central and Eastern
European countries and expand opportunities for our customers across all segments.
Michał Gajewski
President of the Management Board of Santander Bank Polska S.A.
The original polish document is signed with a qualified electronic signature