Santander Bank Polska Investor Relations Material

Santander Polska, formerly known as Bank Zachodni WBK, is a prominent banking institution in Poland. The bank's history dates back to 1857, but it was only in 2011 that it became part of the global Santander Group. Today, it offers a full range of financial products and services typically offered by larger banks, including retail banking, business banking, and asset management. Even if the Polish division of the Spanish bank is owned by the larger global corporation, Santander Polska is traded on the Warsaw Stock Exchange.

Santander Polska came to be as the result of mergers of traditional Polish banks, as well as a subsequent acquisition by the Spanish banking group Santander. Bank Zachodni and Wielkopolski Bank Kredytowy (WBK) were two separate banks established in 1857 and 1919 respectively. The two banks merged in 2001, forming Bank Zachodni WBK. This joint entity continued operations until 2011, when Banco Santander, a Spanish banking group, acquired a controlling stake. The bank was subsequently renamed Santander Polska to solidify the Santander brand in Poland. When looking at competitors we find names such as PKO Bank Polski, as well as the Polish arms of European giants BNP Paribas and ING.

Santander Polska serves millions of customers across Poland through its extensive branch network and digital platforms. It provides a diverse range of retail banking products including current accounts, savings accounts, credit cards, mortgages, and personal loans. Additionally, it offers investment products such as mutual funds and term deposits. For businesses, Santander Polska delivers various financial solutions including business loans, cash management, trade financing, and leasing services. These services are designed to support businesses of all sizes, from small and medium enterprises to large corporations.

Beyond banking, Santander Polska also operates in the asset management and insurance sectors. Santander Polska Towarzystwo Funduszy Inwestycyjnych (TFI) is the bank's asset management subsidiary, providing investment funds for customers seeking to grow their wealth. On the insurance front, the bank collaborates with Santander Insurance to offer a range of insurance products. These include life insurance, non-life insurance, and various types of coverage for retail and business customers.