Financial Ratios Santander Bank Polska S.A.

Equities

EBP

PLBZ00000044

Banks

Delayed Warsaw S.E. Other stock markets 11:52:58 15/05/2026 BST			5-day change	1st Jan Change
590.00 ^PLN	-3.22%		-3.98%	+7.96%

05-12	Poland's KNF says Erste Bank Polska files request for reconsideration of decision imposing 21.1 million zlotys fine	RE
04-30	Polish banks target lending, fees as rates normalise	RE

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Published financial data: SANTANDER BANK POLSKA S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	5.99B	5.39B	10.48B	15.85B	17.05B
Interest Income On Investments	933M	1.09B	2.07B	2.57B	2.09B
Interest Income, Total	6.92B	6.48B	12.55B	18.42B	19.14B
Interest On Deposits	1.01B	400M	2.89B	5.29B	5.25B
Interest Expense, Total	1.01B	400M	2.89B	5.29B	5.25B
Net Interest Income	5.91B	6.08B	9.66B	13.13B	13.89B
Income From Trading Activities	151M	-	127M	-	108M
Gain (Loss) on Sale of Assets	8.29M	-15.77M	-16.26M	-8.84M	-20.24M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	258M	142M	-23.05M	-5.12M	110M
Total Other Non Interest Income	2.28B	2.88B	2.51B	2.82B	2.96B
Non Interest Income, Total	2.69B	3.01B	2.6B	2.8B	3.16B
Revenues Before Provison For Loan Losses	8.6B	9.09B	12.26B	15.93B	17.05B
Provision For Loan Losses	1.76B	1.12B	895M	1.15B	983M
Total Revenues	6.84B	7.96B	11.36B	14.78B	16.07B
Occupancy Expense	594M	579M	524M	569M	614M
Selling General & Admin Expenses, Total	3.02B	3.07B	3.95B	3.87B	4.15B
(Income) Loss on Equity Invest.	-86.36M	-74.07M	-84.05M	-96.94M	-102M
Total Other Non Interest Expense	756M	809M	953M	992M	987M
Non Interest Expense, Total	4.28B	4.38B	5.34B	5.33B	5.65B
EBT, Excl. Unusual Items	2.56B	3.58B	6.02B	9.45B	10.42B
Restructuring Charges	-154M	-12.82M	35.82M	10.09M	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-42.4M	-60.94M	-12.36M	-5.43M	-15.92M
Insurance Settlements	-	-	42.03M	11.87M	6.21M
Legal Settlements	-479M	-1.47B	-1.75B	-2.62B	-3.14B
Other Unusual Items	-	21.28M	9.2M	9.18M	3.33M
EBT, Incl. Unusual Items	1.88B	2.06B	4.35B	6.85B	7.27B
Income Tax Expense	644M	805M	1.34B	1.9B	2.02B
Earnings From Continuing Operations	1.24B	1.25B	3.01B	4.95B	5.24B
Net Income to Company	1.24B	1.25B	3.01B	4.95B	5.24B
Minority Interest	-200M	-141M	-210M	-117M	-32.07M
Net Income - (IS)	1.04B	1.11B	2.8B	4.83B	5.21B
Net Income to Common Incl Extra Items	1.04B	1.11B	2.8B	4.83B	5.21B
Net Income to Common Excl. Extra Items	1.04B	1.11B	2.8B	4.83B	5.21B
Per Share Items
Net EPS - Basic	10.16	10.88	27.39	47.28	51.01
Basic EPS - Continuing Operations	10.16	10.88	27.39	47.28	51.01
Basic Weighted Average Shares Outstanding	102M	102M	102M	102M	102M
Net EPS - Diluted	10.15	10.88	27.39	47.28	51.01
Diluted EPS - Continuing Operations	10.15	10.88	27.39	47.28	51.01
Diluted Weighted Average Shares Outstanding	102M	102M	102M	102M	102M
Normalized Basic EPS	13.69	20.51	34.8	56.65	63.39
Normalized Diluted EPS	13.67	20.51	34.8	56.65	63.39
Dividend Per Share	-	2.68	-	67.88	46.37
Payout Ratio	-	-	9.78	49.18	87.49
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	34.22	39.14	30.88	27.77	27.81
Total Current Taxes	910M	446M	1.1B	1.78B	1.72B
Total Deferred Taxes	-263M	362M	237M	143M	318M
Normalized Net Income	1.4B	2.1B	3.56B	5.79B	6.48B
Non-Cash Pension Expense	99K	-568K	192K	1.28M	2.72M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.61M	-	-	-	-
Total Stock-Based Compensation	1.61M	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	9.36B	9.66B	7.22B	9.05B	7.22B
Investment Securities, Total	63.08B	66.25B	66.22B	74.92B	84.01B
Trading Asset Securities, Total	3.19B	4.18B	7.43B	10.51B	10.75B
Total investments	66.27B	70.44B	73.65B	85.44B	94.76B
Gross Loans	152B	158B	169B	176B	191B
Allowance For Loan Losses	-6.33B	-5.86B	-5.88B	-5.69B	-5.57B
Other Adjustments to Gross Loans	-576M	-702M	-1.24B	-1.61B	-1.93B
Net Loans	145B	151B	162B	169B	184B
Gross Property Plant And Equipment	3.15B	3B	2.97B	3.01B	3.06B
Accumulated Depreciation	-1.64B	-1.75B	-1.79B	-1.75B	-1.78B
Net Property Plant And Equipment	1.51B	1.25B	1.19B	1.26B	1.28B
Goodwill	1.71B	1.71B	1.71B	1.71B	1.71B
Other Intangibles, Total	708M	693M	741M	882M	980M
Other Receivables	720M	1.18B	999M	1.24B	2.45B
Restricted Cash	1.13B	5.77B	6.85B	5.61B	9.35B
Other Current Assets, Total	313M	274M	276M	338M	378M
Deferred Tax Assets Long-Term (Collected)	2B	2.38B	2.1B	1.75B	1.41B
Other Real Estate Owned And Foreclosed	-	48K	40K	4.55M	12K
Other Long-Term Assets, Total	667M	567M	2.35B	316M	1.24B
Total Assets	229B	245B	259B	277B	304B
Liabilities
Accrued Expenses, Total	516M	794M	807M	963M	989M
Interest Bearing Deposits	27.56B	26.61B	59.63B	68.19B	77.15B
Non-Interest Bearing Deposits	144B	159B	138B	143B	157B
Total Deposits	172B	185B	197B	211B	234B
Short-Term Borrowings	7.75B	8.29B	11.69B	9.45B	10.01B
Current Portion of Long-Term Debt	3.02B	896M	521M	1.11B	2.42B
Current Portion of Leases	193M	147M	148M	158M	151M
Long-Term Debt	13.94B	16.52B	14.2B	12.85B	14.95B
Long-Term Leases	564M	482M	456M	366M	387M
Current Income Taxes Payable	79.05M	-	80.75M	1.17B	741M
Other Current Liabilities - (Bank / Utility Template)	616M	744M	1.35B	2.13B	2.36B
Unearned Revenue Non Current	244M	195M	188M	204M	219M
Pension & Other Post Retirement Benefits	48.27M	42.73M	44.7M	63.55M	69.98M
Deferred Tax Liability Non-Current	-	-	281K	435K	686K
Other Non Current Liabilities	2.11B	4.16B	2.09B	3.39B	3.75B
Total Liabilities	201B	218B	229B	243B	270B
Common Stock, Total	1.02B	1.02B	1.02B	1.02B	1.02B
Additional Paid In Capital	7.98B	7.98B	7.98B	7.98B	7.98B
Retained Earnings	16.81B	18.54B	21.1B	23.71B	24.4B
Comprehensive Income and Other	1.18B	-2.01B	-1.79B	-956M	-876M
Total Common Equity	26.99B	25.53B	28.32B	31.76B	32.53B
Minority Interest	1.66B	1.68B	1.8B	1.93B	1.91B
Total Equity	28.66B	27.21B	30.12B	33.69B	34.44B
Total Liabilities And Equity	229B	245B	259B	277B	304B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	102M	102M	102M	102M	102M
ECS Total Common Shares Outstanding	102M	102M	102M	102M	102M
Book Value / Share	264.16	249.85	277.11	310.82	318.31
Tangible Book Value	24.57B	23.13B	25.87B	29.17B	29.84B
Tangible Book Value Per Share	240.48	226.31	253.11	285.44	291.96
Total Debt	25.46B	26.33B	27.02B	23.93B	27.92B
Deposits at Interest - Cash	9.74B	9.91B	24.44B	26.35B	18.43B
Debt Equivalent of Unfunded Proj. Benefit Obligation	48.27M	42.73M	44.7M	63.55M	69.98M
Net Debt	12.62B	12.03B	-1.45B	-8.31B	-2.18B
Equity Method Investments, Total	998M	933M	921M	968M	967M
Full Time Employees	12.62K	-	-	11.47K	11.4K
Number Of Offices	-	-	401	386	362

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	1.04B	1.11B	2.8B	4.83B	5.21B
Depreciation, Depletion & Amortization	339M	322M	293M	300M	298M
Amortization of Goodwill and Intangible Assets - (CF)	255M	257M	230M	270M	316M
Total Depreciation, Depletion & Amortization	594M	579M	524M	569M	614M
(Gain) Loss On Sale of Asset - (CF)	-237M	-84.14M	26.5M	5.02M	4.04M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Total Asset Writedown	48.74M	64.94M	9.58M	5.57M	14.09M
(Income) Loss On Equity Investments - (CF)	-86.36M	-74.07M	-84.05M	-96.94M	-102M
Change in Trading Asset Securities	-111M	26.16M	328M	-417M	689M
Change in Other Net Operating Assets (Collected)	-2.59B	-9.96B	-15.93B	-23.37B	-39.21B
Other Operating Activities	4.75B	4.44B	6.68B	9.6B	9.44B
Cash from Operations	3.41B	-3.9B	-5.64B	-8.87B	-23.34B
Capital Expenditure	-389M	-424M	-449M	-635M	-633M
Sale of Property, Plant, and Equipment	98.02M	88.31M	54.22M	34.72M	29.52M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-23.47B	-6.25B	12.37B	-6.95B	-8.3B
Other Investing Activities, Total	1.03B	1.27B	1.47B	2.34B	2.89B
Cash from Investing	-22.73B	-5.31B	13.45B	-5.2B	-6.01B
Long-Term Debt Issued, Total	10.11B	17.81B	10.98B	10.07B	12.37B
Total Debt Issued	10.11B	17.81B	10.98B	10.07B	12.37B
Long-Term Debt Repaid, Total	-11.48B	-17.28B	-16.12B	-10.78B	-9.42B
Total Debt Repaid	-11.48B	-17.28B	-16.12B	-10.78B	-9.42B
Issuance of Common Stock	1.01M	-	-	-	-
Repurchase of Common Stock	-	-	-	-48.88M	-72.33M
Common Dividends Paid	-	-	-274M	-2.38B	-4.56B
Common & Preferred Stock Dividends Paid	-	-	-274M	-2.38B	-4.56B
Net Increase (Decrease) in Deposit Accounts - (CF)	17.47B	13.89B	14.37B	18.12B	26.54B
Special Dividend Paid	-	-221M	-	-	-
Other Financing Activities, Total	-407M	-273M	-609M	-829M	-1.08B
Cash from Financing	15.69B	13.92B	8.34B	14.15B	23.78B
Net Change in Cash	-3.63B	4.71B	16.15B	82.15M	-5.57B
Supplemental Items
Cash Interest Paid	898M	282M	3.18B	5.64B	5.02B
Cash Income Tax Paid (Refund)	1.18B	925M	818M	665M	2.14B
Net Debt Issued / Repaid	-1.37B	527M	-5.14B	-711M	2.95B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.56	0.53	1.2	1.85	1.81
Return On Equity %	4.45	4.48	10.5	15.92	15.4
Return on Common Equity	3.96	4.23	10.4	16.54	16.22
Shareholders Value Added	-1.76B	-1.77B	-224M	1.59B	1.67B
Margin Analysis
SG&A Margin	51.02	44.02	38.27	29.1	28.7
Net Interest Income / Total Revenues %	86.41	76.31	85.04	88.81	86.45
EBT Excl. Non-Recurring Items Margin %	37.37	44.95	53.02	63.92	64.83
Income From Continuing Operations Margin %	18.09	15.73	26.48	33.47	32.64
Net Income Margin %	15.16	13.96	24.63	32.68	32.44
Net Avail. For Common Margin %	15.16	13.96	24.63	32.68	32.44
Normalized Net Income Margin	20.43	26.33	31.29	39.16	40.32
Asset quality
Nonperforming Loans / Total Loans %	5.56	4.8	4.33	4.24	4.1
Nonperforming Loans / Total Assets %	3.68	3.09	2.83	2.71	2.58
Nonperforming Assets / Total Assets %	3.68	3.09	2.83	2.71	2.58
NPAs / Loans and OREO	5.56	4.8	4.33	4.25	4.1
NPAs / Equity	29.44	27.79	24.32	22.23	22.77
Allowance for Credit Losses / Net Charge-offs %	881.49	407.33	582.78	466.71	505.58
Allowance for Credit Losses / Nonperforming Loans %	75	77.49	80.36	76.06	71.02
Allowance for Credit Losses / Total Loans %	4.17	3.72	3.48	3.23	2.91
Provision for Loan Losses / Net Charge-offs %	245.58	78.14	88.61	94.24	89.27
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.95	11.08	10.72	10.94	11.06
Total Average Equity / Total Average Assets %	12.68	11.78	11.42	11.64	11.73
Total Equity + Allowance for Loan Losses / Total Loans %	21.95	19.93	20.21	21.24	19.94
Gross Loans / Total Deposits %	88.49	84.96	85.69	83.54	81.7
Net Loans / Total Deposits %	84.47	81.42	82.08	80.08	78.5
Tier 1 Capital Ratio %	18.01	16.63	17.54	17.18	16.78
Total Capital Ratio %	20.04	18.58	19.27	18.56	17.68
Core Tier 1 Capital Ratio	-	-	-	-	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	75	77.49	80.36	76.06	71.02
Interbank Ratio	49.35	60.53	313.31	390.92	301.38
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.86	6.14	2.51	2.29	2.38
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-11.5	2.78	59.06	35.85	5.8
Non Interest Income, 1 Yr. Growth %	-2	12.4	-13.14	8.04	12.42
Provision For Loan Losses, 1 Yr. Growth %	44.57	-36.23	-20.42	28.47	-14.44
Total Revenues, 1 Yr. Growth %	-16.65	16.63	43.14	30.08	8.63
Earnings From Cont. Operations, 1 Yr. Growth %	-49.38	1.23	140.24	64.45	6
Net Income, 1 Yr. Growth %	-51.5	7.18	151.79	72.6	7.9
Normalized Net Income, 1 Yr. Growth %	-29.68	50.94	70.48	62.81	11.81
Diluted EPS Before Extra, 1 Yr. Growth %	-51.48	7.18	151.78	72.6	7.9
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	-31.69
Gross Loans, 1 Yr. Growth %	-0.74	3.74	8.72	4.22	8.34
Allowance For Loan Losses, 1 Yr. Growth %	20.65	-7.38	0.4	-3.26	-2.16
Net Loans, 1 Yr. Growth %	-1.49	4.15	8.72	4.3	8.6
Non Performing Loans, 1 Yr. Growth %	10.95	-10.36	1.42	-2.82	4.79
Non Performing Assets, 1 Yr. Growth %	10.89	-10.35	1.42	-2.77	4.72
Total Assets, 1 Yr. Growth %	9.47	6.79	6.65	7.43	10.02
Total Deposits, 1 Yr Growth %	10.87	8.05	6.51	6.91	10.79
Tangible Book Value, 1 Yr. Growth %	7.09	-5.89	11.84	20.46	2.29
Common Equity, 1 Yr. Growth %	6.14	-5.42	10.91	19.1	2.41
Total Equity, 1 Yr. Growth %	6.22	-5.04	10.66	18.36	2.23
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.58	-4.63	27.86	47	19.89
Non Interest Income, 2 Yr. CAGR %	6.13	4.68	-1.56	-3.13	10.37
Provision For Loan Losses, 2 Yr. CAGR %	27.46	-3.98	-28.76	1.11	4.84
Total Revenues, 2 Yr. CAGR %	-2.17	-1.51	29.02	36.46	18.91
Earnings From Cont. Operations, 2 Yr. CAGR %	-32.27	-28.42	55.95	98.76	32.03
Net Income, 2 Yr. CAGR %	-33.75	-27.9	64.28	108.46	36.47
Normalized Net Income, 2 Yr. CAGR %	-6.28	2.7	60.01	66.6	34.98
Diluted EPS Before Extra, 2 Yr. CAGR %	-34.5	-27.89	64.27	108.46	36.47
Dividend Per Share, 2 Yr. CAGR %	-	-	-	403.27	-
Gross Loans, 2 Yr. CAGR %	2.22	1.48	5.57	6.44	6.27
Allowance For Loan Losses, 2 Yr. CAGR %	20.13	5.71	-3.57	-1.45	-2.71
Net Loans, 2 Yr. CAGR %	1.6	1.29	5.76	6.49	6.43
Non Performing Loans, 2 Yr. CAGR %	14.21	-0.27	-6.84	1.81	0.91
Non Performing Assets, 2 Yr. CAGR %	14.14	-0.3	-6.83	1.84	0.91
Total Assets, 2 Yr. CAGR %	5.34	8.12	6.31	6.7	8.72
Total Deposits, 2 Yr CAGR %	8.42	9.45	7.28	6.71	8.83
Tangible Book Value, 2 Yr. CAGR %	4.51	0.39	2.59	12.31	11
Common Equity, 2 Yr. CAGR %	3.85	0.2	2.42	11.54	10.44
Total Equity, 2 Yr. CAGR %	3.81	0.43	2.51	11.27	10
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.36	1.31	13.1	30.47	31.74
Non Interest Income, 3 Yr. CAGR %	4.75	7.99	-1.88	1.54	1.9
Provision For Loan Losses, 3 Yr. CAGR %	36.67	1.19	-9.81	-13.29	-4.36
Total Revenues, 3 Yr. CAGR %	-0.79	3.66	11.46	29.37	26.49
Earnings From Cont. Operations, 3 Yr. CAGR %	-21.1	-22.56	7.17	58.73	61.19
Net Income, 3 Yr. CAGR %	-22.32	-22.23	9.39	67.01	67.38
Normalized Net Income, 3 Yr. CAGR %	-7.73	9.62	21.4	60.94	45.9
Diluted EPS Before Extra, 3 Yr. CAGR %	-23.05	-22.82	9.4	67	67.38
Dividend Per Share, 3 Yr. CAGR %	-	-48.59	-	-	158.64
Gross Loans, 3 Yr. CAGR %	9.62	2.72	3.42	5.12	7.08
Allowance For Loan Losses, 3 Yr. CAGR %	9.3	10.16	3.91	-3.46	-1.68
Net Loans, 3 Yr. CAGR %	9.63	2.44	3.28	5.27	7.19
Non Performing Loans, 3 Yr. CAGR %	9.04	5.35	-1.25	-3.91	2.79
Non Performing Assets, 3 Yr. CAGR %	9.04	5.31	-1.27	-3.89	2.79
Total Assets, 3 Yr. CAGR %	14.52	5.82	7.35	6.46	7.79
Total Deposits, 3 Yr CAGR %	16.43	8.3	8.46	7.15	8.05
Tangible Book Value, 3 Yr. CAGR %	7.64	0.92	4.07	5.88	8.86
Common Equity, 3 Yr. CAGR %	7.21	0.66	3.65	5.57	8.41
Total Equity, 3 Yr. CAGR %	7.08	0.77	3.73	5.54	8.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	6.01	4.54	12.54	17.58	15.77
Non Interest Income, 5 Yr. CAGR %	-2.77	2.02	2.07	3.25	2.85
Provision For Loan Losses, 5 Yr. CAGR %	16.81	7.46	5.32	1.16	-4.21
Total Revenues, 5 Yr. CAGR %	0.41	3.18	10.16	15.64	14.38
Earnings From Cont. Operations, 5 Yr. CAGR %	-13.36	-12.08	3.62	12.9	16.5
Net Income, 5 Yr. CAGR %	-14.93	-12.5	4.81	15.37	19.51
Normalized Net Income, 5 Yr. CAGR %	-5.11	3.06	14.85	29.47	26.66
Diluted EPS Before Extra, 5 Yr. CAGR %	-15.39	-12.98	4.22	14.85	19.51
Dividend Per Share, 5 Yr. CAGR %	-	-13.07	-	28.05	-
Gross Loans, 5 Yr. CAGR %	7.87	7.08	7.98	3.95	4.55
Allowance For Loan Losses, 5 Yr. CAGR %	4.28	3.73	3.96	5.36	1.21
Net Loans, 5 Yr. CAGR %	8.03	7.21	8.07	3.78	4.53
Non Performing Loans, 5 Yr. CAGR %	3.03	1.27	2.39	2.96	0.62
Non Performing Assets, 5 Yr. CAGR %	2.92	1.2	2.39	2.95	0.61
Total Assets, 5 Yr. CAGR %	10.42	10.28	11.16	6.01	7.76
Total Deposits, 5 Yr CAGR %	11.69	11.19	12.68	7.66	8.61
Tangible Book Value, 5 Yr. CAGR %	7.35	5.61	5.59	5.33	5.39
Common Equity, 5 Yr. CAGR %	6.84	5.24	5.27	4.88	5.04
Total Equity, 5 Yr. CAGR %	6.86	5.3	5.23	4.84	5