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Home CompaniesSantander Bank Polska S.A

Santander Bank Polska S.A

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Company price
40.165 USD 0.00(0%)
Last update at 2026-11-05T21:00:00Z
VOLUME
100
Market Cap
14797.01M
P/E
8.37

Momentum Score

…

Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services. In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services. Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services. Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions. Furthermore, it offers debt and rating advisory and capital market and debt capital services. As of 31 December 2021,the company operates 383 branches. The company was founded in 1857 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. is a subsidiary of Banco Santander S.A.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
40.16
Low
41.00
High
52 Week Price Range
25.87
Low
36.86
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Santander Bank Polska S.A. is a major Polish commercial bank and Banco Santander subsidiary offering retail, SME and corporate banking services. Long-term growth could be supported by Poland's economic expansion, digitalisation and cross-selling to an established customer base.
Key risks include credit losses and margin pressure from interest-rate cycles and economic slowdown in Poland, regulatory or political changes, intensified competition, and currency exposure; investors should monitor asset quality and regulatory developments.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
40.16
Dividend Yield
-
Revenue TTM
0.00M
Revenue Per Share
-
Gross Profit TTM
7818.49M
Debt / Equity
-
ROE
4.48%
Net Debt
4620.36M
ROCE
-
Diluted EPS TTM
-

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 8259.89M 7234.10M 6850.02M 4352.95M 2057.83M
Minority interest -286.03M -32.07M -116.72M -209.68M -140.72M
Net income 6478.81M 5212.73M 4831.11M 2799.10M 1111.68M
Selling general administrative 1595.44M 1394.24M 1431.88M 1713.81M 131.32M
Reconciled depreciation 598.73M 614.20M 569.48M 523.59M 578.97M
Other operating expenses - - - - 808.94M
Interest expense 4465.37M 4357.79M 5293.86M 2886.28M 356.77M
Tax provision 1726.78M 1893.77M 1902.19M 1344.17M 805.42M
Interest income 17168.20M 16628.20M 18409.76M 12538.58M 6318.91M
Net interest income 12702.83M 12270.41M 13115.90M 9652.31M 5962.15M
Income tax expense - - - - 805.42M
Total revenue 15969.39M 15306.17M 15951.87M 12300.09M 9038.23M
Net income from continuing ops 6533.11M 5340.33M 4947.83M 3008.78M 1252.41M
Net income applicable to common shares - - - - 1111.68M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 308150.08M 304373.92M 276651.89M 257517.23M 243017.26M
Intangible assets 987.65M 979.81M 881.86M 740.76M 692.80M
Other current assets - - - - 5857.86M
Total liab 272644.85M 269932.73M 242960.87M 229051.88M 215803.69M
Total stockholder equity 35425.67M 32527.47M 31762.65M 26668.09M 27213.58M
Other current liab - - - - 744.37M
Common stock - - - - 1021.89M
Capital stock 1021.89M 1021.89M 1021.89M 1021.89M 1021.89M
Retained earnings 10091.74M 7299.43M 5942.24M 4569.12M 18539.97M
Other liab - - - - 4400.15M
Good will 1688.52M 1712.06M 1712.06M 1712.06M 1712.06M
Other assets - - - - 153891.26M
Cash 22089.89M 21352.73M 23935.93M 13466.95M 11052.44M
Total current liabilities - - - - 196262.50M
Net debt - 4620.36M 2607.76M 1734.77M 8881.53M
Other stockholder equity - - - - -2012.16M
Property plant equipment - - - - 1250.01M
Total current assets - - - - 21529.17M
Long term investments 97158.76M 82633.57M 72758.57M 61688.40M 76982.29M
Net tangible assets - - - - 23126.82M
Net receivables - - - - 1182.00M
Inventory - - - - 0.05M
Accounts payable 130.03M 30.39M 62.07M 43.42M 185395.52M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -12474.37M -8300.96M -6945.11M 12369.79M -6246.77M
Change to liabilities - - - - 0.00M
Total cashflows from investing activities - - - - -5307.98M
Net borrowings 3941.29M 3109.34M -541.48M -4978.23M 527.00M
Total cash from financing activities - - - - 13921.68M
Change to operating activities - - - - -9960.28M
Net income 6478.81M 5212.73M 4831.11M 2799.10M 1111.68M
Change in cash 1501.23M -5571.69M 82.15M 16146.67M 4714.12M
Begin period cash flow 29003.51M 34575.19M 34493.04M 18346.37M 13632.25M
End period cash flow 30504.74M 29003.51M 34575.19M 34493.04M 18346.37M
Total cash from operating activities 10654.06M 3204.36M 9250.48M 8725.90M -3899.58M
Issuance of capital stock - - - - 0.00M
Depreciation 598.73M 614.20M 569.48M 523.59M 578.97M
Other cashflows from investing activities - - - - 1274.84M
Dividends paid -4794.99M -4607.28M -2413.76M -350.12M 296.38M
Sale purchase of stock -82.37M -72.33M -48.88M 0.00M -
Other cashflows from financing activities - - - - 13615.41M
Change to netincome - - - - 4343.89M
Capital expenditures 640.48M 632.69M 634.90M 449.04M 424.36M
Change in working capital 6383.57M 60.00M -5667.78M -1231.24M 3954.38M
Other non cash items -13020.80M -13873.22M -1814.30M -1322.37M -666.02M
Free cash flow 10013.58M 2571.67M 8615.58M 8276.86M 9564.56M

Peer Comparison*

Sector: Industry:

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
BKZHY
Santander Bank Polska S.A		 -
-%		 40.16 8.37 10.95 3.39 1.53 4.51
DOGEF
Orsted A/S		 0.65
3.04%		 22.00 28.82 0.66 6.50 0.07 3.88
TBB
AT&T Inc. 5.35% GLB NTS 66		 0.02
0.11%		 18.32 4.60 - - - -
CCZ
Comcast Holdings Corp		 0.17
0.27%		 62.32 55.07 - - - -
STMZF
Scottish Mortgage Investment Trust PLC		 -
-%		 19.28 - - 2.56 - -

Profile*

Santander Bank Polska S.A

Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services. In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services. Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services. Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions. Furthermore, it offers debt and rating advisory and capital market and debt capital services. As of 31 December 2021,the company operates 383 branches. The company was founded in 1857 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. is a subsidiary of Banco Santander S.A.

Aleja Jana Pawla II 17, Warsaw, Poland, 00-854

48 61 811 9999

https://www.santander.pl

11349

Name Title Year Born
Mr. Michal Gajewski Pres of the Management Board & CEO NA
Mr. Andrzej Burliga VP of the Management Board & Head of the Risk Management Department 1967
Mr. Juan de Porras Aguirre VP of the Management Board and Head of the Corp. & Investment Banking Division NA
Mr. Arkadiusz Wiktor Przybyl VP of the Management Board & Head of the Retail Banking Division NA
Mr. Maciej Reluga CFO, Chief Economist & Member of Management Board NA
Mr. Carlos Polaino-Izquierdo Head of the Accounting & Financial Control Division and Member of the Management Board NA
Ms. Dorota Strojkowska Head of the Bus. Partnership Division & Member of Management Board NA
Mr. Patryk Nowakowski Head of the Digital Transformation Division & Member of Management Board NA
Mr. Michael McCarthy Advisor 1966
Mr. Lech Galkowski Member of Management Board NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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