30-12-2025

Current report no.: 42/2025

Re: Impact of the change in the estimatedcosts of legal risk attached to the FX mortgage loans portfolio on thefinancial performance of Santander Bank Polska for Q4 2025.

The Management Board of Santander BankPolska S.A. ("Bank") hereby advises that as a result of the decisiontaken by the Bank on 30 December 2025 the impact of the change in theestimated costs of legal risk attached to the FX mortgage loansportfolio on the pre-tax profit for Q4 2025 will be PLN 456.3m.

Additional information in this respect willbe disclosed in the financial report for 2025.

Legal basis:Article17(1) of the Market Abuse Regulation.