Financials Santander Bank Polska S.A.

Equities

Market Closed - Warsaw S.E. Other stock markets 16:55:51 12/02/2026 GMT			5-day change	1st Jan Change
606.00 ^PLN	+2.19%		+3.91%	+11.11%

02-10	Erste Group Bank Price Objective Up as BofA Notes Possibility of Further Minority Buyout Deal	MT
02-04	Santander Bank Polska S.A., 2025 Earnings Call, Feb 04, 2026

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	8,647	9,210	12,411	15,833	16,783	15,651	15,680	16,616
Change	-	6.5%	34.76%	27.57%	6%	-6.74%	0.18%	5.97%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	4,159	3,722	7,863	11,118	12,067	11,056	10,248	10,825
Change	-	-10.51%	111.24%	41.39%	8.53%	-8.37%	-7.31%	5.63%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,881	2,058	4,353	6,850	7,266	8,260	8,295	9,648
Change	-	9.41%	111.53%	57.37%	6.07%	13.68%	0.43%	16.31%
Net income ¹	1,037	1,112	2,799	4,831	5,213	6,479	5,164	6,304
Change	-	7.18%	151.79%	72.6%	7.9%	24.29%	-20.3%	22.09%
Announcement Date	03/02/21	02/02/22	02/02/23	31/01/24	05/02/25	04/02/26	-	-

¹PLN in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	2,182	1,984	2,269	2,180	2,502	2,987	3,556	2,354	3,515	3,746	3,878	4,062	4,138	4,152	4,012	4,304	4,351	4,433	4,387	3,920	3,906
Change	-	-9.09%	14.34%	-3.89%	14.76%	19.39%	19.02%	-33.81%	49.34%	6.57%	3.53%	4.76%	1.86%	0.33%	-3.36%	7.26%	1.09%	1.9%	-1.04%	-10.65%	-0.37%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	853.4	964.3	822.4	1,103	804	1,839	2,251	1,188	2,586	2,480	2,808	2,874	2,925	2,799	2,907	3,072	3,178	2,891	3,178	2,789	2,740
Change	-	12.99%	-14.71%	34.12%	-27.12%	128.73%	22.42%	-47.25%	117.74%	-4.1%	13.25%	2.35%	1.75%	-4.3%	3.88%	5.67%	3.46%	-9.05%	9.94%	-12.25%	-1.74%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	261.6	361.5	430.9	817.5	447.9	1,426	1,047	531.2	1,349	1,656	1,556	2,124	1,513	2,097	1,109	2,585	1,474	2,332	1,906	2,319	1,821
Change	-	38.19%	19.19%	89.72%	-45.21%	218.38%	-26.61%	-49.25%	153.96%	22.76%	-6.03%	36.51%	-28.76%	38.54%	-47.08%	133.02%	-42.98%	58.2%	-18.29%	21.68%	-21.49%
Net income ¹	81.55	151.8	222.5	543.8	193.6	959.5	656.9	279.4	903.3	1,192	1,130	1,529	980.1	1,565	794.9	1,940	913.4	1,734	1,018	1,889	1,838
Change	-	86.15%	46.6%	144.37%	-64.41%	395.72%	-31.54%	-57.47%	223.31%	31.96%	-5.18%	35.27%	-35.89%	59.65%	-49.2%	144.02%	-52.91%	89.8%	-41.28%	85.55%	-2.67%
Announcement Date	03/02/21	28/04/21	28/07/21	27/10/21	02/02/22	26/04/22	28/07/22	26/10/22	02/02/23	25/04/23	26/07/23	25/10/23	31/01/24	30/04/24	24/07/24	29/10/24	05/02/25	30/04/25	29/07/25	28/10/25	04/02/26

¹PLN in Million

Estimates

Fiscal Period: December	2022 S1	2023 S1	2024 S1
Net sales	6,460	7,602	-
Change	-	17.67%	-
EBITDA	-	-	-
Change	-	-	-
EBIT ¹	4,007	5,288	5,706
Change	-	31.96%	7.9%
Charge d'intérêts	-	-	-
Earnings before Tax (EBT) ¹	2,473	3,212	3,206
Change	-	29.91%	-0.19%
Net income ¹	1,616	2,322	2,360
Change	-	43.66%	1.61%
Announcement Date	28/07/22	26/07/23	24/07/24

¹PLN in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	03/02/21	02/02/22	02/02/23	31/01/24	05/02/25	04/02/26	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	450.8	389	424.4	449	634.9	632.7
Change	-	-13.72%	9.09%	5.82%	41.39%	-0.35%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	20/02/20	22/02/21	23/02/22	22/02/23	16/02/24	25/02/25

¹PLN in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	48.1%	40.42%	63.35%	70.22%	71.9%	70.64%	65.36%	65.15%
EBT Margin (%)	-	21.75%	22.34%	35.07%	43.26%	43.29%	52.77%	52.9%	58.07%
Net margin (%)	-	11.99%	12.07%	22.55%	30.51%	31.06%	41.39%	32.93%	37.94%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.47%	0.5%	1.1%	1.8%	1.8%	2.12%	1.48%	1.86%
ROE	-	4.4%	4.7%	12.1%	20.3%	20.4%	18.84%	15.86%	17.59%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	2.68	2.68	23.3	44.63	46.23	35.38	44.26
Change	-	-	-	0%	769.4%	91.55%	3.59%	-23.47%	25.09%
Book Value Per Share ¹	-	280.4	266.3	294.7	329.7	337	329.8	335.9	358.5
Change	-	-	-5.04%	10.66%	11.87%	2.23%	-2.16%	1.86%	6.73%
EPS ¹	-	10.15	10.88	27.39	47.28	51.01	63.4	54.21	62.91
Change	-	-	7.19%	151.75%	72.62%	7.89%	24.29%	-9.38%	16.04%
Nbr of stocks (in thousands)	-	102,189	102,189	102,189	102,189	102,189	102,189	102,189	102,189
Announcement Date	-	03/02/21	02/02/22	02/02/23	31/01/24	05/02/25	04/02/26	-	-