By Helgi Analytics - March 23, 2021
Santander Bank Polska's net interest margin amounted to 2.50% in the fourth quarter of 2020, up from 2.49% when compared to the ...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's capital adequacy ratio reached 20.0% at the end of fourth quarter of 2020, up from 18.7% when compared to...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's mortgage loans reached PLN 37,293 mil in 2017-12-31, down 0.453% compared to the previous year. Polish ...
Profit Statement | 2018 | 2019 | 2020 | |
Net Interest Income | PLN mil | 5,843 | 6,679 | 5,911 |
Net Fee Income | PLN mil | 2,058 | 2,128 | 2,152 |
Other Income | PLN mil | 750 | 1,038 | 1,019 |
Total Revenues | PLN mil | 8,650 | 9,846 | 9,082 |
Staff Cost | PLN mil | 1,670 | 1,870 | 1,744 |
Operating Profit | PLN mil | 5,020 | 5,740 | 5,313 |
Provisions | PLN mil | 1,085 | 1,219 | 1,763 |
Net Profit | PLN mil | 2,043 | 2,320 | 1,577 |
Balance Sheet | 2018 | 2019 | 2020 | |
Interbank Loans | PLN mil | 12,126 | 5,568 | 3,220 |
Customer Loans | PLN mil | 137,460 | 143,403 | 141,999 |
Investments | PLN mil | 39,031 | 43,387 | 69,966 |
Total Assets | PLN mil | 206,656 | 209,476 | 229,311 |
Shareholders' Equity | PLN mil | 26,595 | 26,980 | 28,658 |
Interbank Borrowing | PLN mil | 12,730 | 6,023 | 6,027 |
Customer Deposits | PLN mil | 149,617 | 156,480 | 171,522 |
Issued Debt Securities | PLN mil | 12,013 | 14,006 | 14,621 |
Ratios | 2018 | 2019 | 2020 | |
ROE | % | 8.18 | 8.66 | 5.67 |
ROA | % | 1.14 | 1.11 | 0.719 |
Costs (As % Of Assets) | % | 2.02 | 1.97 | 1.72 |
Costs (As % Of Income) | % | 42.0 | 41.7 | 41.5 |
Capital Adequacy Ratio | % | 16.0 | 17.1 | 20.0 |
Net Interest Margin | % | 3.25 | 3.21 | 2.69 |
Loans (As % Of Deposits) | % | 91.9 | 91.6 | 82.8 |
NPLs (As % Of Loans) | % | 4.02 | 4.60 | 5.20 |
Provisions (As % Of NPLs) | % | 76.9 | 76.7 | 82.1 |
Valuation | 2018 | 2019 | 2020 | |
Market Capitalisation | USD mil | 9,763 | 8,279 | 5,079 |
Number Of Shares | mil | 99.9 | 102 | 102 |
Share Price | PLN | 358 | 307 | 186 |
Price/Earnings (P/E) | 17.5 | 13.5 | 12.0 | |
Price/Book Value (P/BV) | 1.35 | 1.16 | 0.662 | |
Dividend Yield | % | 5.51 | 6.42 | 0 |
Earnings Per Share (EPS) | PLN | 20.5 | 22.7 | 15.4 |
Book Value Per Share | PLN | 266 | 264 | 280 |
Dividend Per Share | PLN | 19.7 | 19.7 | 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 | 2019 | 2020 |
income statement | ||||||||||||||||||||||
Net Interest Income | PLN mil | 4,077 | 4,414 | 4,867 | 5,354 | 5,843 | ||||||||||||||||
Total Revenues | PLN mil | 6,910 | 7,414 | 8,079 | 8,249 | 8,650 | ||||||||||||||||
Operating Profit | PLN mil | 3,968 | 4,097 | 4,421 | 4,885 | 5,020 | ||||||||||||||||
Net Profit | PLN mil | 2,020 | 2,097 | 1,931 | 2,197 | 2,043 | ||||||||||||||||
balance sheet | ||||||||||||||||||||||
Interbank Loans | PLN mil | 2,523 | 3,870 | 3,513 | 2,136 | 12,126 | ||||||||||||||||
Customer Loans | PLN mil | 85,821 | 94,914 | 103,069 | 107,840 | 137,460 | ||||||||||||||||
Investments | PLN mil | ... | ... | ... | ... | ... | ... | 32,296 | 28,788 | 32,489 | 31,832 | 39,031 | ||||||||||
Total Assets | PLN mil | 134,502 | 139,709 | 150,100 | 152,674 | 206,656 | ||||||||||||||||
Shareholders' Equity | PLN mil | 18,052 | 20,568 | 21,019 | 23,344 | 26,595 | ||||||||||||||||
Interbank Borrowing | PLN mil | 8,994 | 6,849 | 4,274 | 5,434 | 12,730 | ||||||||||||||||
Customer Deposits | PLN mil | 94,825 | 101,245 | 112,522 | 111,481 | 149,617 | ||||||||||||||||
Issued Debt Securities | PLN mil | 4,913 | 4,848 | 5,970 | 7,384 | 12,013 | ||||||||||||||||
ratios | ||||||||||||||||||||||
ROE | % | ... | 12.4 | 10.9 | 9.29 | 9.91 | 8.18 | |||||||||||||||
ROA | % | ... | 1.68 | 1.53 | 1.33 | 1.45 | 1.14 | |||||||||||||||
Costs (As % Of Assets) | % | ... | 2.45 | 2.42 | 2.52 | 2.22 | 2.02 | |||||||||||||||
Costs (As % Of Income) | % | 42.6 | 44.7 | 45.3 | 40.8 | 42.0 | ||||||||||||||||
Capital Adequacy Ratio | % | 12.9 | 14.6 | 15.1 | 16.7 | 16.0 | ||||||||||||||||
Net Interest Margin | % | ... | 3.39 | 3.22 | 3.36 | 3.54 | 3.25 | |||||||||||||||
Interest Income (As % Of Revenues) | % | 59.0 | 59.5 | 60.2 | 64.9 | 67.5 | ||||||||||||||||
Fee Income (As % Of Revenues) | % | 26.7 | 26.1 | 23.7 | 24.4 | 23.8 | ||||||||||||||||
Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 46.9 | 46.6 | 41.3 | 46.5 | 46.0 | |||||||||||||
Equity (As % Of Assets) | % | 13.4 | 14.7 | 14.0 | 15.3 | 12.9 | ||||||||||||||||
Loans (As % Of Deposits) | % | 90.5 | 93.7 | 91.6 | 96.7 | 91.9 | ||||||||||||||||
Loans (As % Assets) | % | 63.8 | 67.9 | 68.7 | 70.6 | 66.5 | ||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 8.37 | 7.27 | 4.99 | 5.77 | 4.02 | |||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 67.4 | 70.6 | 90.6 | 74.5 | 76.9 | |||||||||||
valuation | ||||||||||||||||||||||
Market Capitalisation | USD mil | ... | 10,513 | 7,174 | 7,508 | 11,333 | 9,763 | |||||||||||||||
Number Of Shares | mil | ... | 96.4 | 99.4 | 99.4 | 99.5 | 99.9 | |||||||||||||||
Share Price | PLN | ... | 375 | 284 | 316 | 396 | 358 | |||||||||||||||
Earnings Per Share (EPS) | PLN | ... | 20.9 | 21.1 | 19.4 | 22.1 | 20.5 | |||||||||||||||
Book Value Per Share | PLN | ... | 187 | 207 | 211 | 235 | 266 | |||||||||||||||
Dividend Per Share | PLN | ... | ... | ... | ... | 0 | 13.0 | 5.40 | 3.10 | 19.7 | ||||||||||||
Price/Earnings (P/E) | ... | ... | 17.9 | 13.5 | 16.3 | 17.9 | 17.5 | |||||||||||||||
Price/Book Value (P/BV) | ... | ... | 2.00 | 1.37 | 1.49 | 1.69 | 1.35 | |||||||||||||||
Dividend Yield | % | ... | ... | ... | ... | 0 | 4.58 | 1.71 | 0.782 | 5.51 | ||||||||||||
Earnings Per Share Growth | % | ... | ... | ... | 6.05 | 0.692 | -7.90 | 13.7 | -7.42 | |||||||||||||
Book Value Per Share Growth | % | ... | ... | ... | 21.1 | 10.5 | 2.20 | 11.0 | 13.4 |
income statement | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
income statement | ||||||||||||||||||||||
Interest Income | PLN mil | 5,803 | 5,814 | 6,158 | 6,606 | 7,314 | ||||||||||||||||
Interest Cost | PLN mil | 1,726 | 1,400 | 1,291 | 1,252 | 1,471 | ||||||||||||||||
Net Interest Income | PLN mil | 4,077 | 4,414 | 4,867 | 5,354 | 5,843 | ||||||||||||||||
Net Fee Income | PLN mil | 1,848 | 1,938 | 1,915 | 2,013 | 2,058 | ||||||||||||||||
Fee Income | PLN mil | 2,211 | 2,358 | 2,388 | 2,527 | 2,527 | ||||||||||||||||
Fee Expense | PLN mil | 364 | 420 | 474 | 514 | 469 | ||||||||||||||||
Other Income | PLN mil | 985 | 1,061 | 1,297 | 883 | 750 | ||||||||||||||||
Total Revenues | PLN mil | 6,910 | 7,414 | 8,079 | 8,249 | 8,650 | ||||||||||||||||
Staff Cost | PLN mil | ... | ... | ... | 1,381 | 1,544 | 1,510 | 1,563 | 1,670 | |||||||||||||
Operating Cost | PLN mil | 2,941 | 3,317 | 3,658 | 3,364 | 3,631 | ||||||||||||||||
Operating Profit | PLN mil | 3,968 | 4,097 | 4,421 | 4,885 | 5,020 | ||||||||||||||||
Provisions | PLN mil | 837 | 811 | 785 | 690 | 1,085 | ||||||||||||||||
Extra and Other Cost | PLN mil | 362 | 392 | 806 | 879 | 906 | ||||||||||||||||
Pre-Tax Profit | PLN mil | 2,770 | 2,894 | 2,831 | 3,316 | 3,029 | ||||||||||||||||
Tax | PLN mil | 617 | 590 | 683 | 813 | 652 | ||||||||||||||||
Minorities | PLN mil | 133 | 207 | 217 | 305 | 334 | ||||||||||||||||
Net Profit | PLN mil | 2,020 | 2,097 | 1,931 | 2,197 | 2,043 | ||||||||||||||||
Net Profit Avail. to Common | PLN mil | 2,020 | 2,097 | 1,931 | 2,197 | 2,043 | ||||||||||||||||
Dividends | PLN mil | ... | ... | ... | ... | 0 | 1,290 | 536 | 308 | 2,013 | ||||||||||||
growth rates | ||||||||||||||||||||||
Net Interest Income Growth | % | ... | 22.2 | 8.28 | 10.3 | 10.0 | 9.13 | |||||||||||||||
Net Fee Income Growth | % | ... | 3.89 | 4.89 | -1.21 | 5.14 | 2.22 | |||||||||||||||
Total Revenue Growth | % | ... | 15.6 | 7.29 | 8.98 | 2.11 | 4.86 | |||||||||||||||
Operating Cost Growth | % | ... | -27.5 | 12.8 | 10.3 | -8.04 | 7.92 | |||||||||||||||
Operating Profit Growth | % | ... | 107 | 3.24 | 7.91 | 10.5 | 2.74 | |||||||||||||||
Pre-Tax Profit Growth | % | ... | 17.8 | 4.49 | -2.19 | 17.1 | -8.66 | |||||||||||||||
Net Profit Growth | % | ... | 9.19 | 3.83 | -7.92 | 13.8 | -7.03 | |||||||||||||||
market share | ||||||||||||||||||||||
Market Share in Revenues | % | 12.0 | 13.2 | 13.6 | 13.4 | 13.4 | ||||||||||||||||
Market Share in Net Profit | % | 12.7 | 18.7 | 13.9 | 16.2 | 15.6 | ||||||||||||||||
Market Share in Employees | % | ... | ... | ... | ... | 6.77 | 6.56 | 8.72 | 8.64 | 9.44 | ||||||||||||
Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.47 | 7.51 | 7.30 | 7.06 | 7.70 |
balance sheet | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
balance sheet | ||||||||||||||||||||||
Cash & Cash Equivalents | PLN mil | 6,807 | 6,230 | 4,776 | 4,146 | 8,908 | ||||||||||||||||
Interbank Loans | PLN mil | 2,523 | 3,870 | 3,513 | 2,136 | 12,126 | ||||||||||||||||
Customer Loans | PLN mil | 85,821 | 94,914 | 103,069 | 107,840 | 137,460 | ||||||||||||||||
Retail Loans | PLN mil | ... | ... | ... | ... | ... | 47,784 | 51,950 | 56,291 | 57,822 | 74,696 | |||||||||||
Mortgage Loans | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 30,861 | 33,721 | 37,008 | 37,293 | 49,211 | |||||||
Consumer Loans | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 16,923 | 18,230 | 19,283 | 20,529 | 25,485 | |||||||
Corporate Loans | PLN mil | ... | ... | ... | ... | ... | 39,150 | 43,307 | 45,180 | 47,777 | 58,603 | |||||||||||
Investments | PLN mil | ... | ... | ... | ... | ... | ... | 32,296 | 28,788 | 32,489 | 31,832 | 39,031 | ||||||||||
Property and Equipment | PLN mil | 757 | 830 | 878 | 931 | 986 | ||||||||||||||||
Intangible Assets | PLN mil | 3,048 | 2,154 | 2,175 | 2,202 | 2,531 | ||||||||||||||||
Goodwill | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | 2,542 | 1,689 | 1,689 | 1,712 | 1,712 | ||||||||
Total Assets | PLN mil | 134,502 | 139,709 | 150,100 | 152,674 | 206,656 | ||||||||||||||||
Shareholders' Equity | PLN mil | 18,052 | 20,568 | 21,019 | 23,344 | 26,595 | ||||||||||||||||
Of Which Minority Interest | PLN mil | 1,521 | 1,176 | 1,238 | 1,436 | 1,564 | ||||||||||||||||
Liabilities | PLN mil | 116,450 | 119,141 | 129,081 | 129,331 | 180,062 | ||||||||||||||||
Interbank Borrowing | PLN mil | 8,994 | 6,849 | 4,274 | 5,434 | 12,730 | ||||||||||||||||
Customer Deposits | PLN mil | 94,825 | 101,245 | 112,522 | 111,481 | 149,617 | ||||||||||||||||
Sight Deposits | PLN mil | ... | 43,048 | 48,713 | 59,863 | 65,663 | 85,201 | |||||||||||||||
Term Deposits | PLN mil | ... | ... | ... | 48,475 | 48,564 | 47,825 | 41,484 | 58,696 | |||||||||||||
Issued Debt Securities | PLN mil | 4,913 | 4,848 | 5,970 | 7,384 | 12,013 | ||||||||||||||||
Subordinated Debt | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,540 | 527 | 440 | 1,489 | 2,644 | |||||||
Other Liabilities | PLN mil | 7,718 | 6,199 | 6,315 | 5,031 | 5,703 | ||||||||||||||||
asset quality | ||||||||||||||||||||||
Non-Performing Loans | PLN mil | ... | ... | ... | ... | ... | 7,610 | 7,268 | 5,385 | 6,508 | 5,704 | |||||||||||
Gross Loans | PLN mil | 90,947 | 100,045 | 107,947 | 112,686 | 141,845 | ||||||||||||||||
Risk-Weighted Assets | PLN mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 101,016 | 109,316 | 110,208 | 119,003 | 142,928 | |||||
Total Provisions | PLN mil | ... | ... | ... | ... | 5,127 | 5,131 | 4,879 | 4,846 | 4,384 | ||||||||||||
growth rates | ||||||||||||||||||||||
Customer Loan Growth | % | ... | 26.0 | 10.6 | 8.59 | 4.63 | 27.5 | |||||||||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 40.4 | 8.72 | 8.36 | 2.72 | 29.2 | ||||||||||
Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 22.0 | 9.27 | 9.75 | 0.770 | 32.0 | ||||||
Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 93.5 | 7.72 | 5.78 | 6.46 | 24.1 | ||||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 14.3 | 10.6 | 4.32 | 5.75 | 22.7 | ||||||||||
Total Asset Growth | % | ... | 26.8 | 3.87 | 7.44 | 1.72 | 35.4 | |||||||||||||||
Shareholders' Equity Growth | % | ... | 24.6 | 13.9 | 2.19 | 11.1 | 13.9 | |||||||||||||||
Customer Deposit Growth | % | ... | 21.0 | 6.77 | 11.1 | -0.925 | 34.2 | |||||||||||||||
market share | ||||||||||||||||||||||
Market Share in Customer Loans | % | 8.26 | 8.59 | 8.86 | 8.94 | 11.2 | ||||||||||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 13.0 | 13.2 | 13.1 | 13.1 | 15.7 | |||||||||||
Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.26 | 7.37 | 7.41 | 7.39 | 9.48 | |||||||
Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 8.11 | 8.27 | 8.52 | 8.60 | 10.6 | |||||||||||
Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 8.67 | 8.84 | 9.25 | 9.46 | 11.3 | |||||||
Market Share in Total Assets | % | 8.78 | 8.73 | 8.77 | 8.57 | 10.4 | ||||||||||||||||
Market Share in Customer Deposits | % | 9.06 | 9.08 | 9.28 | 8.78 | 12.1 |
ratios | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
ROE | % | ... | 12.4 | 10.9 | 9.29 | 9.91 | 8.18 | |||||||||||||||
ROTE | % | ... | 15.3 | 12.6 | 10.4 | 11.0 | 9.04 | |||||||||||||||
ROE (@ 15% of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.6 | 13.3 | 11.7 | 12.8 | 10.4 | ||||
ROA | % | ... | 1.68 | 1.53 | 1.33 | 1.45 | 1.14 | |||||||||||||||
Return on Loans | % | ... | 2.62 | 2.32 | 1.95 | 2.08 | 1.67 | |||||||||||||||
Operating Profit (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 4.30 | 3.90 | 4.03 | 4.26 | 3.83 | ||||
Costs (As % Of Assets) | % | ... | 2.45 | 2.42 | 2.52 | 2.22 | 2.02 | |||||||||||||||
Costs (As % Of Income) | % | 42.6 | 44.7 | 45.3 | 40.8 | 42.0 | ||||||||||||||||
Costs (As % Of Loans) | % | ... | 3.82 | 3.67 | 3.70 | 3.19 | 2.96 | |||||||||||||||
Costs (As % Of Loans & Deposits) | % | ... | 1.80 | 1.76 | 1.78 | 1.55 | 1.43 | |||||||||||||||
Capital Adequacy Ratio | % | 12.9 | 14.6 | 15.1 | 16.7 | 16.0 | ||||||||||||||||
Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.5 | 14.1 | 14.6 | 15.3 | 14.1 | |||
Net Interest Margin | % | ... | 3.39 | 3.22 | 3.36 | 3.54 | 3.25 | |||||||||||||||
Interest Spread | % | ... | 3.16 | 3.05 | 3.21 | 3.39 | 3.12 | |||||||||||||||
Asset Yield | % | ... | 4.82 | 4.24 | 4.25 | 4.36 | 4.07 | |||||||||||||||
Revenues (As % of RWA) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 7.48 | 7.05 | 7.36 | 7.20 | 6.60 | ||||
Cost Of Liabilities | % | ... | 1.66 | 1.19 | 1.04 | 0.969 | 0.951 | |||||||||||||||
Payout Ratio | % | ... | ... | ... | ... | 0 | 61.5 | 27.8 | 14.0 | 98.5 | ||||||||||||
Interest Income (As % Of Revenues) | % | 59.0 | 59.5 | 60.2 | 64.9 | 67.5 | ||||||||||||||||
Fee Income (As % Of Revenues) | % | 26.7 | 26.1 | 23.7 | 24.4 | 23.8 | ||||||||||||||||
Other Income (As % Of Revenues) | % | 14.3 | 14.3 | 16.1 | 10.7 | 8.67 | ||||||||||||||||
Staff Cost (As % Of Total Cost) | % | ... | ... | ... | 46.9 | 46.6 | 41.3 | 46.5 | 46.0 | |||||||||||||
Equity (As % Of Assets) | % | 13.4 | 14.7 | 14.0 | 15.3 | 12.9 | ||||||||||||||||
Equity (As % Of Loans) | % | 21.0 | 21.7 | 20.4 | 21.6 | 19.3 | ||||||||||||||||
Loans (As % Of Deposits) | % | 90.5 | 93.7 | 91.6 | 96.7 | 91.9 | ||||||||||||||||
Loans (As % Assets) | % | 63.8 | 67.9 | 68.7 | 70.6 | 66.5 | ||||||||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 8.37 | 7.27 | 4.99 | 5.77 | 4.02 | |||||||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 67.4 | 70.6 | 90.6 | 74.5 | 76.9 | |||||||||||
Provisions (As % Of Loans) | % | ... | ... | ... | ... | 5.97 | 5.41 | 4.73 | 4.49 | 3.19 | ||||||||||||
Cost of Provisions (As % Of Loans) | % | ... | 1.09 | 0.897 | 0.793 | 0.655 | 0.885 |
other data | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 788 | 890 | 821 | 735 | 764 | ||||||
ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,762 | ... | ||
ATMs (As % of Bank Branches) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 231 | ... | |
Employees | ... | ... | ... | ... | 11,688 | 11,216 | 14,722 | 14,200 | 15,347 | |||||||||||||
Employees Per Bank Branch | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 14.8 | 12.6 | 17.9 | 19.3 | 20.1 | ||||||
Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 3,004 | 3,083 | 2,116 | 2,394 | 2,505 | |||||||||||
Cost Per Employee (Local Currency) | PLN per month | ... | ... | ... | ... | ... | 9,843 | 11,473 | 8,549 | 9,170 | 9,070 |
customer breakdown | Unit | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Number of Primary Customers | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Number of Mortgages | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Average Size of Mortgage Loan | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Primary (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Mortgages (As % of Total Clients) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Market Value per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Revenue per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Net Profit per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Loan per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
Deposit per Customer (Local Currency) | PLN | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
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By Helgi Analytics - March 23, 2021
Santander Bank Polska generated total banking revenues of PLN 2,351 mil in 2019-03-31, up 5.69% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 17,491 mil in 2019-03-31, up 21.1% when compared to the...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's customer deposits reached PLN 111,481 mil in 2017-12-31, up 0.413% compared to the previous year. Polish banking sector accepted customer deposits of PLN 1,079 bil in 2017-12-31, up 4.48% when compared to the last year. Santander B...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's customer loans reached PLN 107,840 mil in 2017-12-31, up 1.28% compared to the previous year. Polish banking sector provided customer loans of PLN 1,040 bil in 2017-12-31, down 0.252% when compared to the last year. Santander Bank ...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's retail loans reached PLN 57,822 mil in the fourth quarter of 2017, up 0.531% 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...
By Helgi Analytics - March 23, 2021
Santander Bank Polska made a net profit of PLN 431 mil in the fourth quarter of 2020, down 44.9% when compared to the same period of last year. This implies a return on equity of 6.03%. Historically, the bank’s net profit reached an all time high of PLN 782 mil i...
By Helgi Analytics - March 23, 2021
Santander Bank Polska made a net profit of PLN 431 mil under revenues of PLN 2,318 mil in the fourth quarter of 2020, down 44.9% and 7.21% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of ...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's cost to income ratio reached 43.2% in the third quarter of 2020, up from 37.6% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 143% of income in 4Q2013 and an all time low of 37.6% in ...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's loans reached PLN 148,326 mil in the fourth quarter of 2020, up from PLN 148,184 mil when compared to the previous quarter and down from PLN 148,647 mil when compared to the same period of last year. Historically, the bank’s ...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's consumer loans reached PLN 20,529 mil in 2017-12-31, up 2.37% compared to the previous year. Polish banking sector provided consumer loans of PLN 277 bil in 2017-12-31, up 1.05% when compared to the last year. Santander Bank Polska...
By Helgi Analytics - March 23, 2021
Santander Bank Polska's non-performing loans reached 5.20% of total loans at the end of 2020-12-31, up from 4.60% compared to the previous year. Historically, the NPL ratio hit an all time high of 49.6% in 2004-03-31 and an all time low of 2.88% in 2008-12-31. ...
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 9.26% and 15.7% a year on average in the last 10 years. Its loans and deposits have grown by 15.8% and 15.1% a year during that time and loans to deposits ratio reached 82.8% at the end of 2020. The company achieved an average return on equity of 11.5% in the last decade with net profit growing 4.99% a year on average. In terms of operating efficiency, its cost to income ratio reached 41.5% in 2020, compared to 45.6% average in the last decade.
Equity represented 12.5% of total assets or 20.2% of loans at the end of 2020. Santander Bank Polska's non-performing loans were 5.20% of total loans while provisions covered some 82.1% of NPLs at the end of 2020.
Santander Bank Polska stock traded at per share at the end of 2020 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 7.50% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 12.0x and price to book value (PBV) of 0.662x in 2020.