Santander Bank Polska S.A.

Annual / Quarterly Financial Statement • Feb 23, 2022

Financial Highlights FINANCIAL HIGHLIGHTS PLN k EUR k 31.12.2021 31.12.2020 31.12.2021 31.12.2020 Consolidated financial statements of Santander Bank Polska Group I Net interest income 5 962 445 5 888 149 1 302 555 1 316 023 II Net fee and commission income 2 487 123 2 152 106 543 337 481 004 III Profit before tax 2 057 828 1 880 897 449 553 420 387 IV Net profit attributable to the owners of Santander Bank Polska SA 1 111 684 1 037 167 242 858 231 811 V Total net cash flows 4 714 123 (3 633 610) 1 029 847 (812 125) VI Total assets 244 876 340 229 311 309 53 240 931 49 690 411 VII Deposits from banks 4 400 138 5 373 312 956 677 1 164 365 VIII Deposits from customers 185 373 443 171 522 255 40 303 832 37 167 863 IX Total liabilities 217 662 764 200 653 319 47 324 165 43 480 393 X Total equity 27 213 576 28 657 990 5 916 767 6 210 018 XI Non-controlling interests 1 681 896 1 663 240 365 677 360 414 XII Profit of the period attributable to non-controlling interests 140 722 200 007 30 596 44 702 XIII Number of shares 102 189 314 102 189 314 XIV Net book value per share in PLN/EUR 266,31 280,44 57,90 60,77 XV Capital ratio 18,58% 20,42% XVI Profit per share in PLN/EUR 10,88 10,16 2,38 2,27 XVII Diluted earnings per share in PLN/EUR 10,88 10,15 2,38 2,27 XVIII Declared or paid dividend per share in PLN/EUR 2,16 - 0,47 - *Data in relevant period include profits included in own funds based on the decisions of the Polish Financial Supervision Authority and the applicable EBA requirements. Detailed information are described in Note 57. 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 31.12.2021: EUR 1 = PLN 4,5994 and as at 31.12.2020: EUR 1 = PLN 4.6148 · for profit and loss items – as at 31.12.2021 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2021: EUR 1 = PLN 4,5775; as at 31.12.2020 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2020: EUR 1 = PLN 4.4742 As at 31.12.2021, FX denominated balance sheet positions were converted into PLN in line with the NBP FX table no. 254/A/NBP/2021 dd. 31.12.2021.