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About the company
Santander Bank Polska SA, formerly Bank Zachodni WBK SA, is a Poland-based commercial bank. It offers a range of banking services for private and business entities. The Bank operates through a network of retail branches in Poland, as well as automatic teller machines (ATM). Its operations are supported by mobile sellers, who are able to reach its clients in smaller cities. It also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading. The Bank issues payment cards and credit cards. Its customers are also offered access to their funds via the Internet, fixed-line telephones and mobile phones. As of December 31, 2012, it operated such wholly owned subsidiaries as Kredyt Trade Sp. z o.o. w likwidacji, Kredyt Lease SA, BFI Serwis Sp. z o.o. and Lizar Sp. z o.o. On January 4, 2013, Bank Zachodni WBK SA acquired the entire stake of Kredyt Bank SA.
- Revenue in PLN (TTM)19.48bn
- Net income in PLN5.38bn
- Incorporated2001
- Employees11.29k
- LocationSantander Bank Polska SAal. Jana Pawla II 17WARSZAWA 00-854PolandPOL
- Phone+48 713938888
- Fax+48 222798820
- Websitehttps://santander.pl/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banca Monte dei Paschi di Siena SpA | 19.65bn | 8.72bn | 37.82bn | 16.68k | 4.34 | 0.7395 | 4.02 | 2.09 | 1.63 | 1.61 | 3.38 | 9.56 | -- | -- | -- | -- | 1.63 | 0.3749 | -- | -- | -- | -- | 48.23 | 13.31 | -- | -- | -- | 56.63 | 7.19 | 16.91 | -3.85 | -- | -12.58 | -- |
| Banco Comercial Portugues SA | 19.89bn | 3.89bn | 43.41bn | 15.72k | 11.17 | 1.38 | 8.83 | 2.48 | 0.0606 | 0.0606 | 0.273 | 0.4904 | -- | -- | -- | -- | 0.9991 | 0.4886 | -- | -- | -- | -- | 24.47 | 13.08 | -- | -- | -- | -- | 7.88 | 18.82 | 5.49 | 25.71 | 8.93 | -- |
| Bankinter SA | 18.33bn | 4.21bn | 43.52bn | 6.67k | 10.34 | 1.70 | 12.53 | 3.06 | 1.10 | 1.10 | 3.73 | 6.73 | -- | -- | -- | -- | 0.8635 | 0.5557 | -- | -- | -- | -- | 30.51 | 22.01 | -- | -- | -- | 50.26 | 19.63 | 26.30 | 13.03 | 15.49 | 0.7892 | 12.60 |
| National Bank of Greece SA | 12.54bn | 4.67bn | 44.66bn | 7.84k | 9.51 | 1.19 | 8.14 | 3.61 | 1.21 | 1.21 | 3.20 | 9.64 | -- | -- | -- | -- | 1.49 | 1.13 | -- | -- | -- | -- | 37.85 | 32.39 | -- | -- | -- | 0.00 | 9.59 | 16.11 | 4.70 | 38.77 | 14.64 | -- |
| Bper Banca SpA | 20.39bn | 5.89bn | 45.99bn | 19.23k | 7.91 | 0.916 | 6.15 | 1.79 | 0.9628 | 0.9628 | 4.18 | 8.32 | -- | -- | -- | -- | 1.01 | 0.834 | -- | -- | -- | -- | 23.48 | 21.49 | -- | -- | -- | 30.87 | 5.27 | 27.68 | -7.69 | 29.88 | 17.19 | -- |
| Banca Mediolanum SpA | 6.00bn | 4.85bn | 46.17bn | 3.87k | 9.56 | 2.47 | 9.06 | 1.82 | 1.53 | 1.53 | 8.00 | 5.91 | -- | -- | -- | -- | 1.38 | 1.16 | -- | -- | -- | -- | 19.09 | 14.97 | -- | -- | -- | 63.78 | 9.95 | 31.80 | -15.67 | 14.64 | 9.91 | 36.63 |
| FinecoBank Banca Fineco SpA | 3.44bn | 2.84bn | 48.50bn | 1.47k | 17.18 | 4.49 | 16.54 | 6.26 | 1.09 | 1.09 | 2.98 | 4.16 | -- | -- | -- | -- | 1.98 | 1.44 | -- | -- | -- | -- | 36.70 | 33.24 | -- | -- | -- | 72.40 | 6.64 | 21.89 | 7.09 | 17.73 | -32.15 | -- |
| Bank Polska Kasa Opieki SA | 19.17bn | 6.54bn | 49.99bn | 15.04k | 7.64 | 1.47 | 6.87 | 2.85 | 24.93 | 24.93 | 66.94 | 129.45 | -- | -- | -- | -- | 2.01 | 1.35 | -- | -- | -- | -- | 37.26 | 28.82 | -- | -- | -- | -- | 4.18 | 22.96 | -4.25 | 24.11 | 9.19 | -0.8907 |
| Bank of Ireland Group plc | 28.62bn | 6.18bn | 50.45bn | 11.19k | 8.69 | 0.9502 | 6.50 | 1.73 | 1.42 | 1.42 | 6.71 | 12.97 | -- | -- | -- | -- | 0.9644 | 0.5844 | -- | -- | -- | -- | 22.30 | 15.44 | -- | -- | -- | 45.36 | 6.53 | 21.70 | -2.02 | 30.41 | -- | -- |
| Turkiye Garanti Bankasi AS | 55.14bn | 8.50bn | 52.14bn | 19.88k | 6.13 | 1.70 | 5.80 | 1.49 | 22.39 | 22.39 | 92.18 | 80.78 | -- | -- | -- | -- | 3.19 | 3.90 | -- | -- | -- | -- | 24.56 | 29.56 | -- | -- | -- | -- | 131.43 | 66.66 | 5.64 | 71.42 | 73.10 | -- |
| Santander Bank Polska SA | 19.48bn | 5.38bn | 52.89bn | 11.29k | 9.83 | 1.53 | 8.76 | 2.89 | 52.66 | 52.66 | 179.31 | 338.38 | -- | -- | -- | -- | 1.83 | 1.24 | -- | -- | -- | -- | 29.68 | 23.26 | -- | -- | -- | -- | 3.90 | 17.72 | 7.90 | 19.51 | 7.01 | -- |
| ABN Amro Bank NV | 69.68bn | 9.36bn | 59.45bn | 22.27k | 9.15 | 0.7325 | 5.59 | 1.47 | 2.64 | 2.64 | 11.40 | 33.02 | -- | -- | -- | -- | 0.5823 | 0.422 | -- | -- | -- | -- | 24.68 | 18.39 | -- | -- | -- | 37.03 | 5.72 | 11.21 | -12.36 | 3.30 | 3.37 | 1.07 |
| AIB Group plc | 22.82bn | 9.65bn | 63.04bn | 10.47k | 7.49 | 1.05 | 5.77 | 2.86 | 0.9282 | 0.9282 | 2.11 | 6.63 | -- | -- | -- | -- | 1.69 | 0.8134 | -- | -- | -- | -- | 45.20 | 27.53 | -- | -- | -- | 38.93 | 15.74 | 17.80 | 13.93 | 47.38 | -4.76 | -- |
| Mediobanca Banca Di Credito Fnnzr SpA | 17.12bn | 5.61bn | 66.17bn | 5.51k | 11.70 | 1.34 | -- | 3.86 | 1.60 | 1.60 | 4.87 | 13.93 | -- | -- | -- | -- | 1.36 | 1.07 | -- | -- | -- | -- | 32.98 | 29.63 | -- | -- | -- | 60.62 | 40.19 | 16.07 | 24.02 | 9.12 | 27.77 | 17.88 |
| Banco de Sabadell SA | 40.60bn | 8.11bn | 66.79bn | 18.94k | 8.40 | 1.09 | 6.31 | 2.14 | 0.354 | 0.354 | 1.37 | 2.73 | -- | -- | -- | -- | 0.8282 | 0.3818 | -- | -- | -- | -- | 27.28 | 14.05 | -- | -- | -- | 44.04 | 12.18 | 15.12 | 42.07 | 17.62 | -6.81 | 59.18 |
| Banco BPM SpA | 30.48bn | 8.75bn | 67.47bn | 18.96k | 7.65 | 1.06 | 7.41 | 1.37 | 1.37 | 1.37 | 7.73 | 9.90 | -- | -- | -- | -- | 0.99 | 0.4646 | -- | -- | -- | -- | 17.13 | 11.63 | -- | -- | -- | -- | 10.20 | 22.04 | 51.88 | 19.23 | 8.27 | -- |
Data as of Jul 09 2025. Currency figures normalised to Santander Bank Polska SA's reporting currency: Polish New Zloty PLN
16.47%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Nationale-Nederlanden PTE SAas of 31 Dec 2023 | 5.12m | 5.01% |
| PTE PZU SAas of 30 Jun 2023 | 3.76m | 3.68% |
| Generali PTE SAas of 29 Dec 2023 | 2.40m | 2.35% |
| Vienna PTE SA Vienna Insurance Groupas of 31 Dec 2024 | 1.80m | 1.76% |
| The Vanguard Group, Inc.as of 02 Jul 2025 | 1.42m | 1.39% |
| BlackRock Fund Advisorsas of 03 Jul 2025 | 745.86k | 0.73% |
| PKO TFI SAas of 24 May 2025 | 465.13k | 0.46% |
| BlackRock Advisors (UK) Ltd.as of 04 Jul 2025 | 436.66k | 0.43% |
| Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SAas of 31 Dec 2024 | 386.64k | 0.38% |
| Geode Capital Management LLCas of 04 Jul 2025 | 283.56k | 0.28% |
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Data from 31 Dec 2024 - 31 Mar 2025Source: FactSet Research Systems Inc.
