Santander Bank Polska S.A.

Annual / Quarterly Financial Statement • Feb 22, 2023

FINANCIAL HIGHLIGHTS FINANCIAL HIGHLIGHTS PLN k EUR k 31.12.2022 31.12.2021 restated 31.12.2022 31.12.2021 restated Separate financial statement I Net interest income 8 040 542 4 514 002 1 715 023 986 128 II Net fee and commission income 2 277 921 2 119 409 485 874 463 006 III Profit before tax 3 598 278 1 548 754 767 502 338 341 IV Profit for the period 2 449 043 915 878 522 373 200 083 V Total net cash flows 16 460 043 4 618 779 3 510 877 1 009 018 VI Total assets 238 098 041 216 715 146 50 768 255 47 118 134 VII Deposits from banks 2 245 128 1 337 573 478 716 290 815 VIII Deposits from customers 185 655 260 175 354 581 39 586 187 38 125 534 IX Total liabilities 211 802 781 192 887 794 45 161 471 41 937 599 X Total equity 26 295 260 23 827 352 5 606 785 5 180 535 XI Number of shares 102 189 314 102 189 314 XII Net book value per share in PLN/EUR 257,32 233,17 54,87 50,70 XIII Capital ratio 21,80% 21,56% XIV Profit per share in PLN/EUR 23,97 8,96 5,11 1,96 XV Diluted earnings per share in PLN/EUR 23,97 8,96 5,11 1,96 XVI Declared or paid dividend per share in PLN/EUR 2,68 2,16 0,57 0,47 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 31.12.2022: EUR 1 = PLN 4,6899 and as at 31.12.2021: EUR 1 = PLN 4,5994 · for profit and loss items – 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 31.12.2021 - 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 31.12.2022, FX denominated balance sheet positions were converted into PLN in line with the NBP FX table no. 252/A/NBP/2022 dd. 30.12.2022