Q1 2023 Financial Report

Santander Bank Polska S.A. - 3rd largest bank in Poland هههه 2022 YoY Var.4 KEY DATA Customer loans¹ €30.8bn +0.5% Customer funds² €42.8bn +3.9% Attributable profit €167mn +51.4% ROTE 19.5% +4.6pp Efficiency ratio 27.1% -5.4pp Loans market share³ 3 11.8% +30bps Deposits market share³ 11.3% +2bps 00 Total customers 5.7mn +3.8% Digital customers 3.4mn +7.4% Branches 393 -6.4% Employees 10,618 +3.0% Strategic Priorities Strengthen customer engagement to achieve a strong top 3 NPS position in a highly competitive market Optimizing the sales network, changing branch model in favour of cashless service and supporting customer use of remote channels and language used with them Continuing efforts to optimize and digitalize sales and post-sales processes, digitalizing paper consuming processes in favour of electronic forms of communication Improving employee experience - implementing initiatives that support employee well-being, building a supportive and inclusive work environment Note: 3rd largest bank in Poland in terms of assets as of Dec-22. (1) Gross loans excluding reverse repos. Santander (2) Excluding repos. (3) As of December 2022. (4) Constant euros. 7

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