Key financial data

of Santander Bank Polska Group for five previous years

Selected Income Statement data		2020	2019	2018	2017	2016	YoY Change (2020 / 2019)
Total income	PLN m	8 647,3	9 462,1	8 715,5	7 763,7	7 606,2	-8,6%
Total costs	PLN m	(4 488,0)	(4 466,3)	(3 769,0)	(3 372,4)	(3 367,7)	0,5%
Impairment losses on loans and advances	PLN m	(1 762,8)	(1 219,4)	(1 085,1)	(690,5)	(784,6)	44,6%
Profit before tax	PLN m	1 880,9	3 244,6	3 424,3	3 321,5	3 121,9	-42,0%
Net profit attributable to Santander Bank Polska S.A.	PLN m	1 037,2	2 138,3	2 363,4	2 199,3	2 166,7	-51,5%
Selected Balance Sheet data		31.12.2020	31.12.2019	31.12.2018	31.12.2017	31.12.2016	YoY Change (2020 / 2019)
Total assets	PLN m	229 311,3	209 476,2	206 656,3	157 194,6	150 307,4	9,5%
Total equity	PLN m	28 658,0	26 979,5	26 594,7	23 329,7	21 018,3	6,2%
Net loans and advances to customers	PLN m	141 998,8	143 402,6	137 460,4	107 839,9	103 068,5	-1,0%
Deposits from customers	PLN m	171 522,3	156 480,3	149 616,7	111 481,1	112 522,5	9,6%
Selected off-Balance Sheet data		31.12.2020	31.12.2019	31.12.2018	31.12.2017	31.12.2016	YoY Change (2019 / 2018)
Net assets under management in investment funds ²⁾	PLN bn	16,2	16,9	15,1	16,0	13,4	-0,7
Selected ratios ³⁾		2020	2019	2018	2017	2016	YoY Change (2020 / 2019)
Total costs/Total income ⁴⁾	%	51,9%	47,2%	43,2%	43,4%	44,3%	4,7 p.p.
Total capital ratio	%	20,04%	17,07%	15,98%	16,69%	15,05%	3 p.p.
ROE	%	4,4%	9,7%	11,9%	12,1%	12,8%	-5,3 p.p.
Basic earning per share	PLN	10,2	21,0	23,7	22,2	21,8	-10,8
Book value per share	PLN	280,4	264,3	260,5	234,9	211,8	16,2
NPL ratio ⁴⁾	%	5,8%	5,2%	4,6%	5,8%	6,6%	0,6 p.p.
Credit risk ratio	%	1,21%	0,85%	0,86%	0,63%	0,75%	0,4% p.p.
Customer net loans/customer deposits	%	82,8%	91,6%	91,9%	96,7%	91,6%	-8,8 p.p.
Selected non-financial data		2020	2019	2018	2017	2016	YoY Change (2020 / 2019)
Number of shares	items	102 189 314	102 088 305	102 088 305	99 333 481	99 234 534	101 009
Dividend payout ⁵⁾	PLN	0,0	19,7	3,1	5,4	13,0	-19,7
Electronic banking users ⁶⁾	m	5,4	4,4	4,0	3,4	3,2	1,0
Digital (active) customers ⁷⁾	m	2,9	2,5	2,3	2,1	2,0	0,4
Digital (active) mobile banking customers	m	2,0	1,6	1,3	1,1	0,9	0,4
Debit cards	m	4,3	4,2	4,0	3,6	3,4	0,1
Credit cards	m	1,2	1,3	1,3	1,3	1,2	-0,1
Customer base	m	7,1	7,2	7,0	6,5	6,4	-0,1
Branches	locations	562	665	764	735	821	-103
Partner outlets	locations	380	317	293	262	258	63
Employment	FTEs	12 616	13 579	15 347	14 383	14 772	-963

1) Data for 2016–2019 have been restated to reflect changed approach to recording certain transactions on debt securities.
2) Assets in investment funds (excluding individual portfolios) managed by Santander Towarzystwo Funduszy Inwestycyjnych S.A.
3) For definitions of ratios presented in the table above, see Management Board Report on Santander Bank Polska Group Performance (including report on Santander Bank Polska Performance), Section “Selected Financial Ratios of Santander Bank Polska Group” of Chapter XI “Financial Performance in 2020”.
4) The NPL ratio for 2018-2020 takes into account the POCI exposures.
5) In 2016, the bank paid a dividend from net profit earned in 2015 and undistributed net profit for 2014.
In 2017, the bank paid a dividend from undistributed net profit for 2014 and 2015.
In 2018, the bank paid a dividend from undistributed net profit for 2016.
In 2019, the bank paid a dividend from net profit earned in 2018 and from undistributed profit for 2016 and 2017.
In 2020, the bank did not pay a dividend in compliance with the guidance by the supervisory authority.
6) Registered users of electronic banking. The stated numbers include electronic banking customers of Santander Consumer Bank S.A., starting from 2020.
7) Active users of electronic banking service of Santander Bank Polska S.A. and Santander Consumer Bank S.A. who at least once used the service in the last month of the reporting period.