Santander Bank Polska S.A.

Annual / Quarterly Financial Statement • Feb 16, 2024

Financial Highlights FINANCIAL HIGHLIGHTS PLN k EUR k 31.12.2023 31.12.2022 restated 31.12.2023 31.12.2022 restated Separate financial statement I Net interest income 11 439 587 8 040 542 2 526 187 1 715 023 II Net fee and commission income 2 385 799 2 277 921 526 853 485 874 III Profit before tax 6 396 302 3 598 278 1 412 486 767 502 IV Profit for the period 4 672 978 2 449 043 1 031 927 522 373 V Total net cash flows (791 936) 16 460 847 (174 882) 3 511 048 VI Total assets 252 401 201 236 448 051 58 049 954 50 416 438 VII Deposits from banks 2 668 293 2 245 128 613 683 478 716 VIII Deposits from customers 195 365 937 185 655 260 44 932 368 39 586 187 IX Total liabilities 222 915 704 211 802 781 51 268 561 45 161 471 X Total equity 29 485 497 24 645 270 6 781 393 5 254 967 XI Number of shares 102 189 314 102 189 314 XII Net book value per share in PLN/EUR 288,54 241,17 66,36 51,42 XIII Capital ratio 21,24% 22,32% XIV Profit per share in PLN/EUR 45,73 23,97 10,10 5,11 XV Diluted earnings per share in PLN/EUR 45,73 23,97 10,10 5,11 XVI Declared or paid dividend per share in PLN/EUR 23,25 2,68 5,13 0,57 Details in Note 2.5 The data includes profits included in own funds, taking into account the applicable EBA guidelines **Detailed information are described in Note 55. The following rates were applied to determine the key EUR amounts for selected financial statements line items: · for balance sheet items – average NBP exchange rate as at 31.12.2023: EUR 1 = PLN 4,3480 and as at 31.12.2022: EUR 1 = PLN 4,6899 · for profit and loss items – as at 31.12.2023 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2023: EUR 1 = PLN 4,5284; as at 31.12.2022 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2022: EUR 1 = PLN 4,6883 As at 31.12.2023, FX denominated balance sheet positions were converted into PLN in line with the NBP FX table no. 251/A/NBP/2023 dd. 29.12.2023