Santander Bank Polska S.A.

Earnings Release • 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 Consolidated financial statements of Santander Bank Polska Group I Net interest income 13 115 899 9 652 307 2 896 365 2 058 807 II Net fee and commission income 2 717 002 2 566 418 599 992 547 409 III Profit before tax 6 850 021 4 352 947 1 512 680 928 470 IV Net profit attributable to owners of the parent entity 4 831 107 2 799 098 1 066 846 597 039 V Total net cash flows 82 154 16 146 671 18 142 3 444 035 VI Total assets 276 651 885 257 517 225 63 627 388 54 908 895 VII Deposits from banks 4 156 453 4 031 252 955 946 859 560 VIII Deposits from customers 209 277 356 196 496 806 48 131 867 41 897 867 IX Total liabilities 242 960 867 229 051 877 55 878 764 48 839 395 X Total equity 33 691 018 28 465 348 7 748 624 6 069 500 XI Non-controlling interests 1 928 373 1 797 255 443 508 383 218 XII Profit of the period attributable to non-controlling interests 116 722 209 677 25 776 44 723 XIII Number of shares 102 189 314 102 189 314 XIV Net book value per share in PLN/EUR 329,69 278,56 75,83 59,40 XV Capital ratio 18,56% 19,74% XVI Profit per share in PLN/EUR 47,28 27,39 10,44 5,84 XVII Diluted earnings per share in PLN/EUR 47,28 27,39 10,44 5,84 XVIII 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 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 31.12.2023: 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.