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Santander Bank Polska

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Santander Bank Polska

Santander Bank Polska (formerly known as Bank Zachodni WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned by Belgium's KBC. All these steps led to establishing the third largest bank in Poland by market share. 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

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Annual Quarterly

summary

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income statement

Net Interest Income	PLN mil
Total Revenues	PLN mil
Operating Profit	PLN mil
Net Profit	PLN mil

...	2,301	3,277	3,997	4,309	4,770
...	4,136	6,090	6,579	7,540	7,451
...	2,318	3,228	3,475	3,975	3,985
...	1,434	1,982	1,915	2,327	2,167

balance sheet

Interbank Loans	PLN mil
Customer Loans	PLN mil
Debt Securities	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Issued Debt Securities	PLN mil

...	1,458	2,213	2,523	3,581	3,513
...	39,868	68,132	85,821	94,914	103,069
...	12,801	24,825	32,579	29,242	32,557
...	60,019	105,965	134,502	139,709	150,100
...	8,978	14,483	18,052	20,568	21,019
...	1,351	6,279	8,360	1,067	2,561
...	47,077	78,543	94,982	101,245	112,522
...	1,460	3,530	8,953	9,463	9,802

ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Net Interest Margin	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%

...	17.4%	16.9%	11.8%	12.1%	10.4%
...	2.39%	2.39%	1.59%	1.70%	1.50%
...	3.04%	3.45%	2.58%	2.60%	2.39%
...	44.0%	47.0%	47.2%	47.3%	46.5%
	16.5%	13.9%	12.9%	14.6%	14.6%
...	3.84%	3.95%	3.32%	3.14%	3.29%
...	55.6%	53.8%	60.8%	57.1%	64.0%
...	33.5%	29.2%	28.1%	25.7%	25.7%
...	52.4%	48.1%	46.7%	43.3%	43.6%
...	15.0%	13.7%	13.4%	14.7%	14.0%
...	84.7%	86.7%	90.4%	93.7%	91.6%
...	66.4%	64.3%	63.8%	67.9%	68.7%
...	5.45%	7.90%	8.37%	7.30%	6.58%
...	68.4%	61.7%	67.3%	70.3%	59.0%

valuation

Market Capitalisation (End Of Period)	USD mil
Number Of Shares (Average)	mil
Share Price (End Of Period)	PLN
Earnings Per Share (EPS)
Book Value Per Share
Dividend Per Share
Price/Earnings (P/E)
Price/Book Value (P/BV)
Dividend Yield	%
Earnings Per Share Growth	%
Book Value Per Share Growth	%

...		5,836	12,032	10,511	7,224	7,503
...		74.6	93.5	99.2	99.2	99.2
...		242	388	375	284	316
...		19.2	21.2	19.3	23.5	21.8
...		120	155	182	207	212
...		9.53	10.7	0	5.40	3.10
...		12.6	18.3	19.4	12.1	14.5
...		2.01	2.50	2.06	1.37	1.49
...		3.94%	2.76%	0%	1.90%	0.981%
...	...	18.5%	10.3%	-8.95%	21.5%	-6.89%
...	...	17.5%	28.7%	17.5%	13.9%	2.19%

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income statement

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income statement

Interest Income	PLN mil
Interest Cost	PLN mil
Net Interest Income	PLN mil
Net Fee Income	PLN mil
Other Income	PLN mil
Total Revenues	PLN mil
Staff Cost	PLN mil
Depreciation	PLN mil
Other Cost	PLN mil
Operating Cost	PLN mil
Operating Profit	PLN mil
Provisions	PLN mil
Extra and Other Cost	PLN mil
Pre-Tax Profit	PLN mil
Tax	PLN mil
Minorities	PLN mil
Net Profit	PLN mil
Dividends	PLN mil

...	3,867	5,215	5,723	5,709	6,061
...	1,566	1,939	1,726	1,400	1,291
...	2,301	3,277	3,997	4,309	4,770
...	1,385	1,779	1,848	1,938	1,915
...	450	1,035	734	1,293	766
...	4,136	6,090	6,579	7,540	7,451
...	953	1,376	1,450	1,544	1,510
...	138	219	308	257	277
...	728	1,267	1,346	1,764	1,678
...	1,819	2,862	3,104	3,565	3,466
...	2,318	3,228	3,475	3,975	3,985
...	502	729	837	811	785
...	-21.3	-16.3	-1.39	-13.8	78.5
...	1,837	2,515	2,640	3,178	3,122
...	374	500	593	644	738
...	28.8	32.3	133	207	217
...	1,434	1,982	1,915	2,327	2,167
...	711	1,001	0	536	308

growth rates

Net Interest Income Growth	%
Net Fee Income Growth	%
Total Revenue Growth	%
Operating Cost Growth	%
Operating Profit Growth	%
Pre-Tax Profit Growth	%
Net Profit Growth	%

...	...	11.2%	42.4%	22.0%	7.81%	10.7%
...	...	2.01%	28.4%	3.89%	4.89%	-1.21%
...	...	8.20%	47.2%	8.03%	14.6%	-1.18%
...	...	-5.50%	57.4%	8.45%	14.9%	-2.78%
...	...	22.1%	39.3%	7.67%	14.4%	0.250%
...	...	19.1%	36.9%	4.98%	20.4%	-1.77%
...	...	21.1%	38.3%	-3.41%	21.5%	-6.89%

market share

Market Share in Revenues	%
Market Share in Net Profit	%
Market Share in Employees	%
Market Share in Bank Cards	%
Market Share in Debit Cards	%
Market Share in Credit Cards	%
Market Share in Branches	%

...									7.04%	11.0%	11.4%	13.5%	12.6%	...
...									9.27%	13.1%	12.1%	20.8%	15.6%	...
...	...								4.85%	7.03%	8.43%	8.12%	8.54%	...
...	...	...	...	...	...	...	...	...	9.31%	12.4%	14.0%	15.5%	11.2%	...
...	...	...	...	...	...	...	...	...	10.1%	13.1%	14.5%	14.1%	10.4%	...
...	...	...	...	...	...	...	...	...	6.48%	9.29%	11.5%	20.7%	13.3%	...
...	...								3.38%	5.44%	6.40%	6.15%	5.68%	...

Download Data

balance sheet

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balance sheet

Cash	PLN mil
Interbank Loans	PLN mil
Customer Loans	PLN mil
Retail Loans	PLN mil
Mortgage Loans	PLN mil
Consumer Loans	PLN mil
Corporate Loans	PLN mil
Debt Securities	PLN mil
Fixed Assets	PLN mil
Total Assets	PLN mil
Shareholders' Equity	PLN mil
Of Which Minority Interest	PLN mil
Liabilities	PLN mil
Interbank Borrowing	PLN mil
Customer Deposits	PLN mil
Retail Deposits	PLN mil
Corporate Deposits	PLN mil
Sight Deposits	PLN mil
Term Deposits	PLN mil
Issued Debt Securities	PLN mil
Other Liabilities	PLN mil

...												4,157	5,150	6,807	6,230	4,776
...												1,458	2,213	2,523	3,581	3,513
...												39,868	68,132	85,821	94,914	103,069
...	...											13,697	34,041	47,784	51,950	56,291
...	...											8,081	25,295	30,861	33,721	38,398
...	...	...	...									5,617	8,747	16,923	18,230	17,893
...	...	...										27,080	34,253	39,150	43,307	51,656
...												12,801	24,825	32,579	29,242	32,557
...												607	3,682	3,805	2,985	3,054
...												60,019	105,965	134,502	139,709	150,100
...												8,978	14,483	18,052	20,568	21,019
...												93.3	611	1,521	1,176	1,238
...												51,042	91,482	116,450	119,141	129,081
...												1,351	6,279	8,360	1,067	2,561
...												47,077	78,543	94,982	101,245	112,522
...	...	...										28,073	47,999	58,257	59,201	63,548
...	...	...										17,187	27,045	33,150	39,307	48,975
...	...	...	...	...	...	...	...	...	...	...	...	...	36,842	48,475	48,713	37,196
...	...	...	...	...	...	...	...	...	...	...	...	...	38,738	43,048	48,564	75,327
...												1,460	3,530	8,953	9,463	9,802
...												1,153	3,130	4,155	7,366	4,195

asset quality

Non-Performing Loans	PLN mil
Gross Loans	PLN mil
Total Provisions	PLN mil

...	2,257	5,658	7,612	7,303	7,103
...	41,412	71,622	90,947	100,045	107,947
...	1,544	3,490	5,127	5,131	4,191

growth rates

Customer Loan Growth	%
Retail Loan Growth	%
Mortgage Loan Growth	%
Consumer Loan Growth	%
Corporate Loan Growth	%
Total Asset Growth	%
Shareholders' Equity Growth	%
Customer Deposit Growth	%
Retail Deposit Growth	%
Corporate Deposit Growth	%

...	...				4.87%	70.9%	26.0%	10.6%	8.59%
...	...	...			9.11%	149%	40.4%	8.72%	8.36%
...	...	...			6.25%	213%	22.0%	9.27%	13.9%
...	...	...	...	...	13.5%	55.7%	93.5%	7.72%	-1.85%
...	...	...	...		4.47%	26.5%	14.3%	10.6%	19.3%
...	...				0.372%	76.6%	26.9%	3.87%	7.44%
...	...				20.0%	61.3%	24.6%	13.9%	2.19%
...	...				0.529%	66.8%	20.9%	6.59%	11.1%
...	...	...	...		5.58%	71.0%	21.4%	1.62%	7.34%
...	...	...	...		-7.42%	57.4%	22.6%	18.6%	24.6%

market share

Market Share in Customer Loans	%
Market Share in Corporate Loans	%
Market Share in Retail Loans	%
Market Share in Consumer Loans	%
Market Share in Mortgage Loans	%
Market Share in Total Assets	%
Market Share in Customer Deposits	%
Market Share in Retail Deposits	%
Market Share in Corporate Deposits	%

...				4.26%	7.01%	8.26%	8.59%	8.86%	...
...	...	...		9.95%	12.3%	13.0%	13.2%	15.0%	...
...	...	...	...	2.66%	4.00%	7.26%	7.37%	6.87%	...
...	...			2.57%	6.14%	8.11%	8.27%	8.52%	...
...	...			2.51%	7.54%	8.67%	8.84%	9.59%	...
...				4.45%	7.54%	8.78%	8.73%	8.77%	...
...				5.07%	8.03%	9.08%	9.08%	9.28%	...
...	...	...		5.44%	8.76%	9.61%	8.89%	8.70%	...
...	...	...		8.99%	12.9%	14.5%	15.5%	17.8%	...

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ratios

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ratios

ROE	%
ROA	%
Costs (As % Of Assets)	%
Costs (As % Of Income)	%
Capital Adequacy Ratio	%
Tier 1 Ratio	%
Net Interest Margin	%
Interest Spread	%
Asset Yield	%
Cost Of Liabilities	%
Payout Ratio	%
Interest Income (As % Of Revenues)	%
Fee Income (As % Of Revenues)	%
Other Income (As % Of Revenues)	%
Cost Per Employee	USD per month
Cost Per Employee (Local Currency)	PLN per month
Staff Cost (As % Of Total Cost)	%
Equity (As % Of Assets)	%
Loans (As % Of Deposits)	%
Loans (As % Assets)	%
NPLs (As % Of Loans)	%
Provisions (As % Of NPLs)	%
Provisions (As % Of Loans)	%
Cost of Provisions (As % Of Loans)	%

...								17.4%	16.9%	11.8%	12.1%	10.4%
...								2.39%	2.39%	1.59%	1.70%	1.50%
...								3.04%	3.45%	2.58%	2.60%	2.39%
...								44.0%	47.0%	47.2%	47.3%	46.5%
								16.5%	13.9%	12.9%	14.6%	14.6%
...	...	...	...	...	...	...	...	14.3%	11.4%	12.5%	14.1%	15.1%
...								3.84%	3.95%	3.32%	3.14%	3.29%
...	...							3.42%	3.56%	3.10%	2.98%	3.14%
...								6.46%	6.28%	4.76%	4.16%	4.18%
...	...							3.03%	2.72%	1.66%	1.19%	1.04%
...								49.6%	50.5%	0%	23.0%	14.2%
...								55.6%	53.8%	60.8%	57.1%	64.0%
...								33.5%	29.2%	28.1%	25.7%	25.7%
...								10.9%	17.0%	11.2%	17.1%	10.3%
...	...							2,762	2,876	2,485	2,432	2,109
...	...							8,989	9,089	8,143	9,050	8,520
...								52.4%	48.1%	46.7%	43.3%	43.6%
...								15.0%	13.7%	13.4%	14.7%	14.0%
...								84.7%	86.7%	90.4%	93.7%	91.6%
...								66.4%	64.3%	63.8%	67.9%	68.7%
...								5.45%	7.90%	8.37%	7.30%	6.58%
...								68.4%	61.7%	67.3%	70.3%	59.0%
...								3.87%	5.12%	5.97%	5.41%	4.07%
...								1.29%	1.35%	1.09%	0.897%	0.793%

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other data

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other data

Branches
Employees
ATMs
Clients	mil
E-Clients	mil
Payment Cards	'000
Debit Cards	'000
Credit Cards	'000
Sight (As % Of Customer Deposits)	%

...	...											519	830	961	890	821
...	...											8,835	12,612	14,835	14,218	14,772
...	...	...			...	...	...					1,059	1,385	1,365	1,525	1,650
...	...	...	...	...	...	...	...	...				0	...	...	...	0
...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	3.22
...	...	...	...	...	...	...	...	...				3,100	4,263	4,994	5,300	3,987
...	...	...	...	...	...	...	...	...				2,682	3,693	4,300	4,100	3,208
...	...	...	...	...	...	...	...	...				418	570	694	1,200	780
...	...	...	...	...	...	...	...	...	...	...	...	...	46.9%	51.0%	48.1%	33.1%

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Santander Bank Polska in Quarterly Numbers

August 15, 2019

This Quarterly statistical dossier offers a summary of Santander Bank Polska's performance between Dec 05 and Jun 19 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset

This Quarterly statistical dossier offers a summary of Santander Bank Polska's performance between Dec 05 and Jun 19 on an quarterly basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Santander Polska's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Comparison of 18 Banks in Poland

October 24, 2018

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Santander Bank Polska in Numbers

September 22, 2018

This Annual statistical dossier offers a summary of Santander Bank Polska's performance between 2000 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

This Annual statistical dossier offers a summary of Santander Bank Polska's performance between 2000 and 2018 on an annual basis. The report can be downloaded as an excel file.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Bank Zachodni WBK at a Glance

November 11, 2013

Bank Zachodni WBK (BZ WBK) is a Polish universal bank based in Wrocław, Poznań and Warsaw. It is the third largest bank in Poland in terms of assets and the number of outlets. It was formed in 2001 by the merger of Bank Zachodni and Wielkopolski Bank Kredytowy. Since 2011, the Bank has been owned by the Spanish Santander Group. At the beginning of 2013, Bank Zachodni WBK merged with Kredyt Bank, a troubled small bank formerly owned by Belgium's KBC. All these steps led to establishing the third largest bank in Poland by market share. Bank Zachodni WBK 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.

This report offers a summary of the company's performance in 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector.

Bank Zachodni WBK in Numbers

November 1, 2013

This excel file offers a summary of the company's performance on the annual basis in between 2001-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector

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Santander Bank Polska - Market Capitalization Peers Comparison

October 23, 2019

Santander Bank Polska stock traded at HKD 5.28 per share at the end of second quarter of 2019 implying a market capitalization of USD 49,570 mil.

Over the last five years, the stock has appreciated by 23.4 implying an annual

Santander Bank Polska stock traded at HKD 5.28 per share at the end of second quarter of 2019 implying a market capitalization of USD 49,570 mil.

Over the last five years, the stock has appreciated by 23.4 implying an annual average growth of 4.29% In absolute terms, the value of the company grew by USD 8,535 mil.

At the end of the second quarter of 2019, the bank traded at price to earnings of 5.82x and price to book value of 0.608x. The bank generated its shareholders an average return on equity of 11.8% in the last five years and average dividend yield of 0%

You can see all the bank’s data at Santander Bank Polska profile, or you can download a report on the bank in the report section.

Santander Bank Polska - Capital To Assets

October 7, 2019

Santander Bank Polska's Equity reached of total assets in the 2Q2019, up from 5.59% for the previous year. As a share of net customer loans, the ratio amounted to at the end of the second quarter of 2019.

Santander Bank Polska - Market Share in Retail Loans

August 27, 2019

Santander Bank Polska's retail loans reached PLN 57,822 mil in the fourth quarter of 2017, up 0.530% compared to the previous year.

Polish banking sector provided retail loans of PLN 668 bil in 4Q2017, down 0.192% when compared

Santander Bank Polska's retail loans reached PLN 57,822 mil in the fourth quarter of 2017, up 0.530% compared to the previous year.

Polish banking sector provided retail loans of PLN 668 bil in 4Q2017, down 0.192% when compared to the last year.

Santander Bank Polska accounted for 8.66% of all retail loans issued in Poland at the end of 4Q2017. Historically, the bank’s market share in retail loans reached an all time high of 8.66% in 4Q2017 and an all time low of 2.37% in 4Q2011.

That's compared to a 8.22% market share the bank held in terms of total assets at the end of fourth quarter of 2017.

You can see all the company’s data at Santander Bank Polska Profile, or you can download a report on the firm in the report section.

Santander Bank Polska - Quarterly Cost of Risk

August 23, 2019

Santander Bank Polska's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.693% in the second quarter of 2019, up from 0.505% when compared to the previous quarter.

Historically, the bank’s cost of risk

Santander Bank Polska's Cost of Risk (loan loss provisions as % of total assets) amounted to 0.693% in the second quarter of 2019, up from 0.505% when compared to the previous quarter.

Historically, the bank’s cost of risk reached an all time high of 2.10% in 4Q2008 and an all time low of -0.234% in 1Q2007. The average cost of risk in the last six quarters amounted to 0.603%.

On the other hand, average asset yield was 4.09% in 2Q2019, down from 4.26% when compared to the same period last year. Cost of funding amounted to 1.09% in 2Q2019, up from 0.979%.

When compared to bank's main peers, PKO BP operated in the second quarter of 2019 with a cost of risk of 0.391% Pekao SA reached 0.367% and ING Bank Slaski some 0.361%.

You can see all the bank’s data at Santander Bank Polska Profile, or you can download a report on the bank in the report section.

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Santander Polska's net profit rose 73.1% to PLN 607 mil in 2Q2019

Santander Polska's corporate loans rose 1.21% to PLN 67,889 mil in 2Q2019

Santander Polska's market capitalisation (end of period) rose 0.193% to USD 10,149 mil in 2Q2019

Santander Polska's capital adequacy ratio fell 1.28% to 16.3% in 2Q2019

Santander Polska's share price (end of period) fell 2.68% to PLN 371 in 2Q2019

Santander Polska's net interest income rose 0.928% to PLN 1,624 mil in 2Q2019

Santander Polska's costs (as % of assets) fell 17.1% to 1.98% in 2Q2019

Santander Polska's npls (as % of loans) remain unchanged at 4.30% in 2Q2019

Santander Polska's price/earnings (P/E) fell 0.781% to 16.7 in 2Q2019

Santander Polska's net interest margin rose 0.935% to 3.14% in 2Q2019