Green financing Santander Consumer Bank SA has active green financing initiatives with substantial support from the EIB Group, presenting a solid opportunity to offer sustainable finance products, ESG-linked loans, and climate-focused credit facilities to SMEs and households in Poland.

Public-private backing The recent EIB partnership and second green securitisation underscore strong public-private collaboration potential; sales teams can position additional green funding programs, risk-sharing instruments, and co-branded financial products to customers pursuing green investments.

Market leadership As a leader in Poland’s consumer finance market with a broad product suite including loans, cards, car financing, deposits, and insurance, there are cross-sell opportunities to expand wallets with existing customers through bundled offerings and loyalty-driven campaigns.

Tech-enabled benefits Hybrid tech stack including OpenShift, Oracle, and automated deployment signals a modernization backbone; there is potential to propose advanced digital services such as API-based lending, enhanced identity/authentication, fraud prevention, and data-driven credit analytics for customers and partners.

Strategic partnerships The presence in a key Santander market and relationships with car dealers, used-car lots, and institutional clients open doors for partnerships around dealer financing programs, extended warranty/insurance bundles, and dealer-owned financing solutions.