Santander Bank Polska SA - Asset Resilience Ratio

Latest as of March 2025: 4.41%

Santander Bank Polska SA (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. Read how much debt does Santander Bank Polska SA carry for a breakdown of total debt and financial obligations.

Liquid Assets

zł13.83 Billion

≈ $3.80 Billion USD Cash + Short-term Investments

Total Assets

zł313.72 Billion

≈ $86.34 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2023–2024)

This chart shows how Santander Bank Polska SA's Asset Resilience Ratio has changed over time. See Santander Bank Polska SA book value and equity for net asset value and shareholders' equity analysis.

Liquid Assets Composition Over Time

This chart breaks down Santander Bank Polska SA's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Santander Bank Polska SA (SPL) total market value.

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 SA 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 SA Industry Peers by Asset Resilience Ratio

Compare Santander Bank Polska SA's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Banco de Chile SN:CHILE	Banks - Regional	5.79%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Bank Bukopin Tbk JK:BBKP	Banks - Regional	0.03%
Laan & Spar Bank AS CO:LASP	Banks - Regional	0.74%
LINKBANCORP Inc NASDAQ:LNKB	Banks - Regional	8.55%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%
Banco Bradesco DRC BA:BBD	Banks - Regional	4.82%

Annual Asset Resilience Ratio for Santander Bank Polska SA (2023–2024)

The table below shows the annual Asset Resilience Ratio data for Santander Bank Polska SA.

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	--

pp = percentage points

About Santander Bank Polska SA

WAR:SPL Poland Banks - Regional

Market Cap

$17.44 Billion

zł63.36 Billion PLN

Market Cap Rank

#1433 Global

#3 in Poland

Share Price

zł620.00

Change (1 day)

-1.56%

52-Week Range

zł457.60 - zł667.40

All Time High

zł667.40