Business Segments Santander Bank Polska S.A.

Equities

Market Closed - Warsaw S.E. Other stock markets 16:55:50 06/02/2026 GMT			5-day change	1st Jan Change
580.00 ^PLN	-0.55%		+3.72%	+6.34%

02-04	Santander Bank Polska S.A., 2025 Earnings Call, Feb 04, 2026
02-04	Santander BP meets conditions for dividend payment of 75% of net profit - CEO	RE

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Breakdown by Business Segment (PLN)

Fiscal Period: December	2020	2021	2022	2023	2024
Diversified Commercial Banks
Retail Banking	3.65B	4.11B	4.68B	8.2B	9.46B
Total Assets	85.87B	94.71B	93.67B	94.65B	103B
EBT	1.28B	655M	399M	2.83B	3.8B
D&A	342M	344M	371M	402M	422M
Business and Corporate Banking	1.05B	1.15B	2.25B	2.86B	2.8B
Total Assets	33.62B	35.57B	40.41B	39.96B	45.66B
EBT	566M	644M	1.58B	2.03B	1.85B
D&A	57.58M	65.84M	60.38M	64.6M	78.76M
Santander Consumer	1.21B	1.17B	1.48B	1.35B	1.54B
Total Assets	20.38B	20.49B	20.32B	23.68B	25.76B
EBT	424M	301M	564M	254M	32.42M
D&A	61.93M	55M	57.48M	67.48M	72.21M
Corporate & Investment Banking	620M	729M	1.4B	1.45B	1.46B
Total Assets	16.95B	19.46B	26.6B	30.17B	34.91B
EBT	356M	423M	947M	810M	750M
D&A	22.3M	23.52M	34.33M	35.51M	41.27M
Investment Funds
ALM and Central Operations	354M	936M	1.68B	978M	898M
Total Assets	72.49B	74.64B	78.17B	88.19B	94.92B
EBT	751M	33.84M	864M	924M	838M
D&A	110M	90.14M	-	-	-

Geographical breakdown of sales (PLN)

Fiscal Period: December	2020	2021	2022	2023	2024
Poland	6.84B	7.96B	11.36B	14.78B	16.07B
Total Assets	229B	245B	259B	277B	304B
Interest Expense	-1.01B	-400M	-2.89B	-5.29B	-5.25B
Income Tax Expense	644M	805M	1.34B	1.9B	2.02B
D&A	594M	579M	524M	569M	614M
CAPEX	-389M	-424M	-449M	-635M	-633M
Net Income	1.04B	1.11B	2.8B	4.83B	5.21B
EBT	1.88B	2.06B	4.35B	6.85B	7.27B