Santander Bank Polska S.A.

Earnings Release • 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 Consolidated financial statements of Santander Bank Polska Group I Net interest income 9 652 307 5 962 146 2 058 807 1 302 490 II Net fee and commission income 2 566 418 2 487 085 547 409 543 328 III Profit before tax 4 352 947 2 057 828 928 470 449 553 IV Net profit attributable to owners of the parent entity 2 799 098 1 111 684 597 039 242 858 V Total net cash flows 16 146 671 4 714 123 3 444 035 1 029 847 VI Total assets 259 167 215 243 017 264 55 260 712 52 836 732 VII Deposits from banks 4 031 252 4 400 138 859 560 956 677 VIII Deposits from customers 196 496 806 185 373 443 41 897 867 40 303 832 IX Total liabilities 229 051 877 215 803 688 48 839 395 46 919 965 X Total equity 30 115 338 27 213 576 6 421 318 5 916 767 XI Non-controlling interests 1 797 255 1 681 896 383 218 365 677 XII Profit of the period attributable to non-controlling interests 209 677 140 722 44 708 30 742 XIII Number of shares 102 189 314 102 189 314 XIV Net book value per share in PLN/EUR 294,70 266,31 62,84 57,90 XV Capital ratio 19,27% 19,05% XVI Profit per share in PLN/EUR 27,39 10,88 5,84 2,38 XVII Diluted earnings per share in PLN/EUR 27,39 10,88 5,84 2,38 XVIII 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 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 31.12.2022: 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 = 4,6883 PLN ; 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