By Helgi Analytics - August 15, 2019
Santander Bank Polska made a net profit of PLN 607 mil in the second quarter of 2019, down 6.77% when compared to the same period...
By Helgi Analytics - August 15, 2019
Santander Bank Polska's loans reached PLN 145,546 mil in the second quarter of 2019, up from PLN 143,332 mil when compared t...
By Helgi Analytics - January 26, 2020
Santander Bank Polska stock traded at PLN 371 per share at the end of second quarter of 2019 implying a market capitalization of USD...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | PLN mil | 4,770 | 5,277 | 5,742 |
| Net Fee Income | PLN mil | 1,915 | 2,013 | 2,058 |
| Other Income | PLN mil | 766 | 474 | 915 |
| Total Revenues | PLN mil | 7,451 | 7,764 | 8,715 |
| Staff Cost | PLN mil | 1,510 | 1,563 | 1,670 |
| Operating Profit | PLN mil | 3,985 | 4,391 | 4,946 |
| Provisions | PLN mil | 785 | 690 | 1,085 |
| Net Profit | PLN mil | 2,167 | 2,213 | 2,397 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | PLN mil | 3,513 | 2,136 | 2,936 |
| Customer Loans | PLN mil | 103,069 | 107,840 | 137,460 |
| Debt Securities | PLN mil | 32,557 | 32,050 | 49,022 |
| Total Assets | PLN mil | 150,100 | 152,674 | 205,853 |
| Shareholders' Equity | PLN mil | 21,019 | 23,344 | 26,642 |
| Interbank Borrowing | PLN mil | 2,561 | 1,817 | 2,146 |
| Customer Deposits | PLN mil | 112,522 | 111,481 | 149,617 |
| Issued Debt Securities | PLN mil | 9,802 | 10,035 | 21,354 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 10.4 | 9.98 | 9.59 |
| ROA | % | 1.50 | 1.46 | 1.34 |
| Costs (As % Of Assets) | % | 2.39 | 2.23 | 2.10 |
| Costs (As % Of Income) | % | 46.5 | 43.4 | 43.2 |
| Capital Adequacy Ratio | % | 14.6 | 16.7 | 16.0 |
| Net Interest Margin | % | 3.29 | 3.49 | 3.20 |
| Loans (As % Of Deposits) | % | 91.6 | 96.7 | 91.9 |
| NPLs (As % Of Loans) | % | 6.58 | 5.80 | 4.10 |
| Provisions (As % Of NPLs) | % | 59.0 | 74.1 | 75.4 |
| Valuation | 2016 | 2017 | 2018 | |
| Market Capitalisation (End Of Period) | USD mil | 7,503 | 11,297 | 9,778 |
| Share Price (End Of Period) | PLN | 316 | 396 | 358 |
| Price/Earnings (P/E) | 14.5 | 17.8 | 15.3 | |
| Price/Book Value (P/BV) | 1.49 | 1.69 | 1.37 | |
| Dividend Yield | % | 0.981 | 0 | 0 |
| Earnings Per Share (EPS) | 21.8 | 22.3 | 23.5 | |
| Book Value Per Share | 212 | 235 | 261 | |
| Dividend Per Share | 3.10 | 0 | 0 | |
Get all company financials in excel:
| summary | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||
| Net Interest Income | PLN mil | ... | 2,301 | 3,277 | 3,997 | 4,309 | 4,770 | |||||||||||||
| Total Revenues | PLN mil | ... | 4,136 | 6,090 | 6,579 | 7,540 | 7,451 | |||||||||||||
| Operating Profit | PLN mil | ... | 2,318 | 3,228 | 3,475 | 3,975 | 3,985 | |||||||||||||
| Net Profit | PLN mil | ... | 1,434 | 1,982 | 1,915 | 2,327 | 2,167 | |||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | PLN mil | ... | 1,458 | 2,213 | 2,523 | 3,581 | 3,513 | |||||||||||||
| Customer Loans | PLN mil | ... | 39,868 | 68,132 | 85,821 | 94,914 | 103,069 | |||||||||||||
| Debt Securities | PLN mil | ... | 12,801 | 24,825 | 32,579 | 29,242 | 32,557 | |||||||||||||
| Total Assets | PLN mil | ... | 60,019 | 105,965 | 134,502 | 139,709 | 150,100 | |||||||||||||
| Shareholders' Equity | PLN mil | ... | 8,978 | 14,483 | 18,052 | 20,568 | 21,019 | |||||||||||||
| Interbank Borrowing | PLN mil | ... | 1,351 | 6,279 | 8,360 | 1,067 | 2,561 | |||||||||||||
| Customer Deposits | PLN mil | ... | 47,077 | 78,543 | 94,982 | 101,245 | 112,522 | |||||||||||||
| Issued Debt Securities | PLN mil | ... | 1,460 | 3,530 | 8,953 | 9,463 | 9,802 | |||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | ... | 17.4 | 16.9 | 11.8 | 12.1 | 10.4 | |||||||||||||
| ROA | % | ... | 2.39 | 2.39 | 1.59 | 1.70 | 1.50 | |||||||||||||
| Costs (As % Of Assets) | % | ... | 3.04 | 3.45 | 2.58 | 2.60 | 2.39 | |||||||||||||
| Costs (As % Of Income) | % | ... | 44.0 | 47.0 | 47.2 | 47.3 | 46.5 | |||||||||||||
| Capital Adequacy Ratio | % | 16.5 | 13.9 | 12.9 | 14.6 | 14.6 | ||||||||||||||
| Net Interest Margin | % | ... | 3.84 | 3.95 | 3.32 | 3.14 | 3.29 | |||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 55.6 | 53.8 | 60.8 | 57.1 | 64.0 | |||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 33.5 | 29.2 | 28.1 | 25.7 | 25.7 | |||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 52.4 | 48.1 | 46.7 | 43.3 | 43.6 | |||||||||||||
| Equity (As % Of Assets) | % | ... | 15.0 | 13.7 | 13.4 | 14.7 | 14.0 | |||||||||||||
| Loans (As % Of Deposits) | % | ... | 84.7 | 86.7 | 90.4 | 93.7 | 91.6 | |||||||||||||
| Loans (As % Assets) | % | ... | 66.4 | 64.3 | 63.8 | 67.9 | 68.7 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 5.45 | 7.90 | 8.37 | 7.30 | 6.58 | |||||||||||||
| Provisions (As % Of NPLs) | % | ... | 68.4 | 61.7 | 67.3 | 70.3 | 59.0 | |||||||||||||
| valuation | ||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 5,836 | 12,032 | 10,511 | 7,224 | 7,503 | |||||||||||||
| Number Of Shares (Average) | mil | ... | 74.6 | 93.5 | 99.2 | 99.2 | 99.2 | |||||||||||||
| Share Price (End Of Period) | PLN | ... | 242 | 388 | 375 | 284 | 316 | |||||||||||||
| Earnings Per Share (EPS) | ... | 19.2 | 21.2 | 19.3 | 23.5 | 21.8 | ||||||||||||||
| Book Value Per Share | ... | 120 | 155 | 182 | 207 | 212 | ||||||||||||||
| Dividend Per Share | ... | 9.53 | 10.7 | 0 | 5.40 | 3.10 | ||||||||||||||
| Price/Earnings (P/E) | ... | 12.6 | 18.3 | 19.4 | 12.1 | 14.5 | ||||||||||||||
| Price/Book Value (P/BV) | ... | 2.01 | 2.50 | 2.06 | 1.37 | 1.49 | ||||||||||||||
| Dividend Yield | % | ... | 3.94 | 2.76 | 0 | 1.90 | 0.981 | |||||||||||||
| Earnings Per Share Growth | % | ... | ... | 18.5 | 10.3 | -8.95 | 21.5 | -6.89 | ||||||||||||
| Book Value Per Share Growth | % | ... | ... | 17.5 | 28.7 | 17.5 | 13.9 | 2.19 |
| income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | ||||||||||||||||||||
| Interest Income | PLN mil | ... | 3,867 | 5,215 | 5,723 | 5,709 | 6,061 | |||||||||||||
| Interest Cost | PLN mil | ... | 1,566 | 1,939 | 1,726 | 1,400 | 1,291 | |||||||||||||
| Net Interest Income | PLN mil | ... | 2,301 | 3,277 | 3,997 | 4,309 | 4,770 | |||||||||||||
| Net Fee Income | PLN mil | ... | 1,385 | 1,779 | 1,848 | 1,938 | 1,915 | |||||||||||||
| Other Income | PLN mil | ... | 450 | 1,035 | 734 | 1,293 | 766 | |||||||||||||
| Total Revenues | PLN mil | ... | 4,136 | 6,090 | 6,579 | 7,540 | 7,451 | |||||||||||||
| Staff Cost | PLN mil | ... | 953 | 1,376 | 1,450 | 1,544 | 1,510 | |||||||||||||
| Depreciation | PLN mil | ... | 138 | 219 | 308 | 257 | 277 | |||||||||||||
| Other Cost | PLN mil | ... | 728 | 1,267 | 1,346 | 1,764 | 1,678 | |||||||||||||
| Operating Cost | PLN mil | ... | 1,819 | 2,862 | 3,104 | 3,565 | 3,466 | |||||||||||||
| Operating Profit | PLN mil | ... | 2,318 | 3,228 | 3,475 | 3,975 | 3,985 | |||||||||||||
| Provisions | PLN mil | ... | 502 | 729 | 837 | 811 | 785 | |||||||||||||
| Extra and Other Cost | PLN mil | ... | -21.3 | -16.3 | -1.39 | -13.8 | 78.5 | |||||||||||||
| Pre-Tax Profit | PLN mil | ... | 1,837 | 2,515 | 2,640 | 3,178 | 3,122 | |||||||||||||
| Tax | PLN mil | ... | 374 | 500 | 593 | 644 | 738 | |||||||||||||
| Minorities | PLN mil | ... | 28.8 | 32.3 | 133 | 207 | 217 | |||||||||||||
| Net Profit | PLN mil | ... | 1,434 | 1,982 | 1,915 | 2,327 | 2,167 | |||||||||||||
| Dividends | PLN mil | ... | 711 | 1,001 | 0 | 536 | 308 | |||||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | 11.2 | 42.4 | 22.0 | 7.81 | 10.7 | ||||||||||||
| Net Fee Income Growth | % | ... | ... | 2.01 | 28.4 | 3.89 | 4.89 | -1.21 | ||||||||||||
| Total Revenue Growth | % | ... | ... | 8.20 | 47.2 | 8.03 | 14.6 | -1.18 | ||||||||||||
| Operating Cost Growth | % | ... | ... | -5.50 | 57.4 | 8.45 | 14.9 | -2.78 | ||||||||||||
| Operating Profit Growth | % | ... | ... | 22.1 | 39.3 | 7.67 | 14.4 | 0.250 | ||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | 19.1 | 36.9 | 4.98 | 20.4 | -1.77 | ||||||||||||
| Net Profit Growth | % | ... | ... | 21.1 | 38.3 | -3.41 | 21.5 | -6.89 | ||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | ... | 7.04 | 11.0 | 11.4 | 13.5 | 12.6 | ... | ||||||||||||
| Market Share in Net Profit | % | ... | 9.27 | 13.1 | 12.1 | 20.8 | 15.6 | ... | ||||||||||||
| Market Share in Employees | % | ... | ... | 4.85 | 7.03 | 8.43 | 8.12 | 8.54 | ... | |||||||||||
| Market Share in Bank Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.31 | 12.4 | 14.0 | 15.5 | 11.2 | ... | ||||
| Market Share in Debit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.1 | 13.1 | 14.5 | 14.1 | 10.4 | ... | ||||
| Market Share in Credit Cards | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.48 | 9.29 | 11.5 | 20.7 | 13.3 | ... | ||||
| Market Share in Branches | % | ... | ... | 3.38 | 5.44 | 6.40 | 6.15 | 5.68 | ... |
| balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | ||||||||||||||||||||
| Cash | PLN mil | ... | 4,157 | 5,150 | 6,807 | 6,230 | 4,776 | |||||||||||||
| Interbank Loans | PLN mil | ... | 1,458 | 2,213 | 2,523 | 3,581 | 3,513 | |||||||||||||
| Customer Loans | PLN mil | ... | 39,868 | 68,132 | 85,821 | 94,914 | 103,069 | |||||||||||||
| Retail Loans | PLN mil | ... | ... | 13,697 | 34,041 | 47,784 | 51,950 | 56,291 | ||||||||||||
| Mortgage Loans | PLN mil | ... | ... | 8,081 | 25,295 | 30,861 | 33,721 | 38,398 | ||||||||||||
| Consumer Loans | PLN mil | ... | ... | ... | ... | 5,617 | 8,747 | 16,923 | 18,230 | 17,893 | ||||||||||
| Corporate Loans | PLN mil | ... | ... | ... | 27,080 | 34,253 | 39,150 | 43,307 | 51,656 | |||||||||||
| Debt Securities | PLN mil | ... | 12,801 | 24,825 | 32,579 | 29,242 | 32,557 | |||||||||||||
| Fixed Assets | PLN mil | ... | 607 | 3,682 | 3,805 | 2,985 | 3,054 | |||||||||||||
| Total Assets | PLN mil | ... | 60,019 | 105,965 | 134,502 | 139,709 | 150,100 | |||||||||||||
| Shareholders' Equity | PLN mil | ... | 8,978 | 14,483 | 18,052 | 20,568 | 21,019 | |||||||||||||
| Of Which Minority Interest | PLN mil | ... | 93.3 | 611 | 1,521 | 1,176 | 1,238 | |||||||||||||
| Liabilities | PLN mil | ... | 51,042 | 91,482 | 116,450 | 119,141 | 129,081 | |||||||||||||
| Interbank Borrowing | PLN mil | ... | 1,351 | 6,279 | 8,360 | 1,067 | 2,561 | |||||||||||||
| Customer Deposits | PLN mil | ... | 47,077 | 78,543 | 94,982 | 101,245 | 112,522 | |||||||||||||
| Retail Deposits | PLN mil | ... | ... | ... | 28,073 | 47,999 | 58,257 | 59,201 | 63,548 | |||||||||||
| Corporate Deposits | PLN mil | ... | ... | ... | 17,187 | 27,045 | 33,150 | 39,307 | 48,975 | |||||||||||
| Sight Deposits | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 36,842 | 48,475 | 48,713 | 37,196 | ||
| Term Deposits | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 38,738 | 43,048 | 48,564 | 75,327 | ||
| Issued Debt Securities | PLN mil | ... | 1,460 | 3,530 | 8,953 | 9,463 | 9,802 | |||||||||||||
| Other Liabilities | PLN mil | ... | 1,153 | 3,130 | 4,155 | 7,366 | 4,195 | |||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | PLN mil | ... | 2,257 | 5,658 | 7,612 | 7,303 | 7,103 | |||||||||||||
| Gross Loans | PLN mil | ... | 41,412 | 71,622 | 90,947 | 100,045 | 107,947 | |||||||||||||
| Total Provisions | PLN mil | ... | 1,544 | 3,490 | 5,127 | 5,131 | 4,191 | |||||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | 4.87 | 70.9 | 26.0 | 10.6 | 8.59 | ||||||||||||
| Retail Loan Growth | % | ... | ... | ... | 9.11 | 149 | 40.4 | 8.72 | 8.36 | |||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | 6.25 | 213 | 22.0 | 9.27 | 13.9 | |||||||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | 13.5 | 55.7 | 93.5 | 7.72 | -1.85 | |||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | 4.47 | 26.5 | 14.3 | 10.6 | 19.3 | ||||||||||
| Total Asset Growth | % | ... | ... | 0.372 | 76.6 | 26.9 | 3.87 | 7.44 | ||||||||||||
| Shareholders' Equity Growth | % | ... | ... | 20.0 | 61.3 | 24.6 | 13.9 | 2.19 | ||||||||||||
| Customer Deposit Growth | % | ... | ... | 0.529 | 66.8 | 20.9 | 6.59 | 11.1 | ||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | 5.58 | 71.0 | 21.4 | 1.62 | 7.34 | ||||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | -7.42 | 57.4 | 22.6 | 18.6 | 24.6 | ||||||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | ... | 4.26 | 7.01 | 8.26 | 8.59 | 8.86 | ... | ||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | 9.95 | 12.3 | 13.0 | 13.2 | 15.0 | ... | ||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | 2.66 | 4.00 | 7.26 | 7.37 | 6.87 | ... | |||||||||
| Market Share in Consumer Loans | % | ... | ... | 2.57 | 6.14 | 8.11 | 8.27 | 8.52 | ... | |||||||||||
| Market Share in Mortgage Loans | % | ... | ... | 2.51 | 7.54 | 8.67 | 8.84 | 9.59 | ... | |||||||||||
| Market Share in Total Assets | % | ... | 4.45 | 7.54 | 8.78 | 8.73 | 8.77 | ... | ||||||||||||
| Market Share in Customer Deposits | % | ... | 5.07 | 8.03 | 9.08 | 9.08 | 9.28 | ... | ||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | 5.44 | 8.76 | 9.61 | 8.89 | 8.70 | ... | ||||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | 8.99 | 12.9 | 14.5 | 15.5 | 17.8 | ... |
| ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | ||||||||||||||||||||
| ROE | % | ... | 17.4 | 16.9 | 11.8 | 12.1 | 10.4 | |||||||||||||
| ROA | % | ... | 2.39 | 2.39 | 1.59 | 1.70 | 1.50 | |||||||||||||
| Costs (As % Of Assets) | % | ... | 3.04 | 3.45 | 2.58 | 2.60 | 2.39 | |||||||||||||
| Costs (As % Of Income) | % | ... | 44.0 | 47.0 | 47.2 | 47.3 | 46.5 | |||||||||||||
| Capital Adequacy Ratio | % | 16.5 | 13.9 | 12.9 | 14.6 | 14.6 | ||||||||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | 14.3 | 11.4 | 12.5 | 14.1 | 15.1 | ||||||
| Net Interest Margin | % | ... | 3.84 | 3.95 | 3.32 | 3.14 | 3.29 | |||||||||||||
| Interest Spread | % | ... | ... | 3.42 | 3.56 | 3.10 | 2.98 | 3.14 | ||||||||||||
| Asset Yield | % | ... | 6.46 | 6.28 | 4.76 | 4.16 | 4.18 | |||||||||||||
| Cost Of Liabilities | % | ... | ... | 3.03 | 2.72 | 1.66 | 1.19 | 1.04 | ||||||||||||
| Payout Ratio | % | ... | 49.6 | 50.5 | 0 | 23.0 | 14.2 | |||||||||||||
| Interest Income (As % Of Revenues) | % | ... | 55.6 | 53.8 | 60.8 | 57.1 | 64.0 | |||||||||||||
| Fee Income (As % Of Revenues) | % | ... | 33.5 | 29.2 | 28.1 | 25.7 | 25.7 | |||||||||||||
| Other Income (As % Of Revenues) | % | ... | 10.9 | 17.0 | 11.2 | 17.1 | 10.3 | |||||||||||||
| Cost Per Employee | USD per month | ... | ... | 2,762 | 2,876 | 2,485 | 2,432 | 2,109 | ||||||||||||
| Cost Per Employee (Local Currency) | PLN per month | ... | ... | 8,989 | 9,089 | 8,143 | 9,050 | 8,520 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | 52.4 | 48.1 | 46.7 | 43.3 | 43.6 | |||||||||||||
| Equity (As % Of Assets) | % | ... | 15.0 | 13.7 | 13.4 | 14.7 | 14.0 | |||||||||||||
| Loans (As % Of Deposits) | % | ... | 84.7 | 86.7 | 90.4 | 93.7 | 91.6 | |||||||||||||
| Loans (As % Assets) | % | ... | 66.4 | 64.3 | 63.8 | 67.9 | 68.7 | |||||||||||||
| NPLs (As % Of Loans) | % | ... | 5.45 | 7.90 | 8.37 | 7.30 | 6.58 | |||||||||||||
| Provisions (As % Of NPLs) | % | ... | 68.4 | 61.7 | 67.3 | 70.3 | 59.0 | |||||||||||||
| Provisions (As % Of Loans) | % | ... | 3.87 | 5.12 | 5.97 | 5.41 | 4.07 | |||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.29 | 1.35 | 1.09 | 0.897 | 0.793 |
| other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | ||||||||||||||||||||
| Branches | ... | ... | 519 | 830 | 961 | 890 | 821 | |||||||||||||
| Employees | ... | ... | 8,835 | 12,612 | 14,835 | 14,218 | 14,772 | |||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | 1,059 | 1,385 | 1,365 | 1,525 | 1,650 | |||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0 | ... | ... | ... | 0 | |||||
| E-Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3.22 | ||
| Payment Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 3,100 | 4,263 | 4,994 | 5,300 | 3,987 | |||||
| Debit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 2,682 | 3,693 | 4,300 | 4,100 | 3,208 | |||||
| Credit Cards | '000 | ... | ... | ... | ... | ... | ... | ... | ... | ... | 418 | 570 | 694 | 1,200 | 780 | |||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 46.9 | 51.0 | 48.1 | 33.1 |
Get all company financials in excel:
By Helgi Analytics - August 15, 2019
Santander Bank Polska's capital adequacy ratio reached 16.3% at the end of second quarter of 2019, down from 16.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 17.8% in 2Q2018 and an all time low of 10.7% in ...
By Helgi Analytics - August 15, 2019
Santander Bank Polska stock traded at PLN 371 per share at the end of second quarter of 2019 implying a market capitalization of USD 10,149 mil. Over the last five years, the stock has depreciated by -2.75 % implying an annual average growth of -0.557 %. In absolute t...
By Helgi Analytics - August 15, 2019
Santander Bank Polska generated total banking revenues of PLN 2,396 mil in the second quarter of 2019, up 9.56% when compared to the same period of last year and 6.71% when compared to the previous quarter. Historically, the bank’s revenues containing of inte...
By Helgi Analytics - August 15, 2019
Santander Bank Polska's cost to income ratio reached 42.9% in the second quarter of 2019, down from 55.2% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 62.7% of income in 4Q2007 and an all time low of 35.2%...
By Helgi Analytics - August 15, 2019
Santander Bank Polska's non-performing loans reached 4.30% of total loans at the end of 2019-06-30, down from 4.80% compared to the previous year. Historically, the NPL ratio hit an all time high of 8.37% in 2014-12-31 and an all time low of 2.30% in 2008-09-30. ...
By Helgi Analytics - August 15, 2019
Santander Bank Polska stock traded at PLN 371 per share at the end second quarter of 2019 implying a market capitalization of USD 10,149 mil. Since the end of 2Q2014, the stock has depreciated by -2.75 % implying an annual average growth of -0.557 %. In absolute terms...
By Helgi Analytics - August 15, 2019
Santander Bank Polska's net interest margin amounted to 3.14% in the second quarter of 2019, up from 3.11% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.95% in 4Q2012 and an all time low of ...
By Helgi Analytics - August 15, 2019
Santander Bank Polska employed 14,058 persons in 2019-06-30, down 3.99% when compared to the previous year. Historically, the bank's workforce hit an all time high of 15,347 persons in 2018-12-31 and an all time low of 7,955 in 2006-12-31. Average cost reached USD...
By Helgi Analytics - August 15, 2019
Santander Bank Polska employed 14,058 persons in 2019-06-30, down 3.99% compared to the previous year. Historically, the bank's workforce hit an all time high of 15,347 persons in 2018-12-31 and an all time low of 7,955 in 2006-12-31. The bank operated a netwo...
By Helgi Analytics - October 7, 2019
Santander Bank Polska's Equity reached 11.2% of total assets in the 2Q2019, down from 11.7% for the previous year. As a share of net customer loans, the ratio amounted to 17.1% at the end of the second quarter of 2019. ...
Santander Bank Polska is a Polish universal bank. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. In 2013, it further acquired KBC's Kredyt Bank to establish the third largest bank in Poland in terms of assets and the number of outlets. Santander Bank Polska has a network of over 600 branches and provides services to more than 3.8 mil customers. Apart from the traditional retail and corporate banking, it also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading. Since 2011, the Bank has been owned by the Spanish Santander Group.
Santander Bank Polska has been growing its revenues and asset by 10.4% and 13.6% a year on average in the last 10 years. Its loans and deposits have grown by 14.6% and 13.3% a year during that time and loans to deposits ratio reached 91.9% at the end of 2018. The company achieved an average return on equity of 13.6% in the last decade with net profit growing 10.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 43.2% in 2018, compared to 46.9% average in the last decade.
Equity represented 12.9% of total assets or 19.4% of loans at the end of 2018. Santander Bank Polska's non-performing loans were 4.10% of total loans while provisions covered some 75.4% of NPLs at the end of 2018.
Santander Bank Polska stock traded at PLN 358 per share at the end of 2018 resulting in a market capitalization of USD 9,778 mil. Over the previous five years, stock price fell by 7.59% or 1.57% a year on average. That’s compared to an average ROE of 10.8% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 15.3x and price to book value (PBV) of 1.37x in 2018.
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