Santander Bank Polska S.A.

Legal Proceedings Report • Dec 19, 2022

19-12-2022

Current report no. 26/2022

Re: Impact of the change in the estimatedcosts arising from legal risk attached to the FX mortgage loansportfolio on the financial performance of Santander Bank Polska Groupfor Q4 2022

The Management Board of Santander BankPolska S.A. (_quot;Bank_quot;) hereby advises that the impact of the decisionsmade on 19 December 2022 by the Bank and by Santander Consumer Bank S.A(_quot;SCB_quot;), a subsidiary of the Bank, on changing the estimated costsarising from legal risk attached to the FX mortgage loans portfolio onthe consolidated pre-tax profit for Q4 2022 will be PLN 632m, of whichPLN 495m for the Bank and PLN 137m for SCB.

Detailed information in this respect will bedisclosed in the financial report for 2022.

Legal basis:

Article 17(1) of the Market Abuse Regulation