Santander Bank Polska S.A. - Asset Resilience Ratio
Santander Bank Polska S.A. (SPL) has an Asset Resilience Ratio of 4.41% as of March 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Explore SPL long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2023–2024)
This chart shows how Santander Bank Polska S.A.'s Asset Resilience Ratio has changed over time. See Santander Bank Polska S.A. (SPL) defensive interval to measure how many days the company can operate on defensive assets alone.
Liquid Assets Composition Over Time
This chart breaks down Santander Bank Polska S.A.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see Santander Bank Polska S.A. balance sheet assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | zł0.00 | 0% |
| Short-term Investments | zł13.83 Billion | 4.41% |
| Total Liquid Assets | zł13.83 Billion | 4.41% |
Asset Resilience Insights
- Limited Liquidity: Santander Bank Polska S.A. maintains only 4.41% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Santander Bank Polska S.A. Industry Peers by Asset Resilience Ratio
Compare Santander Bank Polska S.A.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Industrial Bank Co Ltd
SHG:601166 |
Banks - Regional | 8.39% |
|
Chongqing Rural Commercial Bank Co
SHG:601077 |
Banks - Regional | 4.87% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Banco Mercantil do Brasil S.A
SA:BMEB3 |
Banks - Regional | -18.66% |
|
Sparekassen Sjaelland-Fyn A/S
CO:SPKSJF |
Banks - Regional | 3.30% |
|
Judo Capital Holdings Ltd
AU:JDO |
Banks - Regional | 10.76% |
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
Annual Asset Resilience Ratio for Santander Bank Polska S.A. (2023–2024)
The table below shows the annual Asset Resilience Ratio data for Santander Bank Polska S.A..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.52% | zł13.75 Billion ≈ $3.79 Billion |
zł304.37 Billion ≈ $83.77 Billion |
+5.46pp |
| 2023-12-31 | -0.94% | zł-2.60 Billion ≈ $-715.99 Million |
zł276.65 Billion ≈ $76.14 Billion |
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About Santander Bank Polska S.A.
Erste Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. The company offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. It also provides consumer loans and home mortgages; mu… Read more