Santander Consumer Bank S.A.

Santander Consumer Bank S.A. is a Polish consumer finance institution headquartered in Wrocław and operates as a subsidiary of Santander Consumer Finance S.A., part of the Santander Group. The bank focuses on retail lending, including cash loans, point‑of‑sale installment financing, and vehicle financing through dealers, and it issues credit cards; on the funding side it collects retail deposits via savings accounts and term deposits, with product servicing available through online and mobile channels. It is a distinct entity from Santander Bank Polska S.A. and does not operate as a universal bank; transactional current accounts and corporate banking are not core to its model. The bank is supervised by the Polish Financial Supervision Authority (KNF), and eligible deposits are covered by the Bank Guarantee Fund (BFG) up to the statutory limit equivalent to EUR 100,000 per depositor. Pricing for loans and cards follows Polish consumer credit rules, including RRSO disclosure and statutory interest constraints, and is influenced by changes in the National Bank of Poland’s policy rates; fees may apply for selected services in accordance with the published tariff and applicable law. Applications are taken online, at branches, and through retail and automotive partners, with identity and affordability checks required under local regulation. Customer service and complaints handling follow Polish legal standards, including access to the Financial Ombudsman’s out‑of‑court dispute resolution. As part of an international group, the bank is subject to consolidated oversight at the parent level while maintaining capital and liquidity compliance under CRR/CRD and KNF requirements.