Santander Bank Polska S.A. (SPL) — Net Asset Quality Index
Santander Bank Polska S.A. (SPL) has a Net Asset Quality Index of 11.5% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of zł308.15 Billion minus total liabilities of zł272.64 Billion yields net assets of zł35.51 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check Santander Bank Polska S.A. (SPL) asset resilience to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Santander Bank Polska S.A. Net Asset Quality Index Over Time (2002–2025)
This chart shows how Santander Bank Polska S.A.'s Net Asset Quality Index has evolved across 24 annual periods from 2002 to 2025. As of December 2025, the index stands at 11.5%, representing net assets of zł35.51 Billion against total assets of zł308.15 Billion PLN. See Santander Bank Polska S.A. current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Santander Bank Polska S.A. (2002–2025)
The table below presents the year-by-year Net Asset Quality Index for Santander Bank Polska S.A. from 2002 to 2025, covering 24 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see Santander Bank Polska S.A. (SPL) market capitalisation.
| Year | Quality Index | Net Assets (PLN) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 11.5% | zł35.51 Billion | zł308.15 Billion | zł272.64 Billion | ▲ +0.2 pp |
| 2024 | 11.3% | zł34.44 Billion | zł304.37 Billion | zł269.93 Billion | ▼ -0.9 pp |
| 2023 | 12.2% | zł33.69 Billion | zł276.65 Billion | zł242.96 Billion | ▲ +0.6 pp |
| 2022 | 11.6% | zł30.12 Billion | zł259.17 Billion | zł229.05 Billion | ▲ +0.5 pp |
| 2021 | 11.1% | zł27.21 Billion | zł244.88 Billion | zł217.66 Billion | ▼ -1.4 pp |
| 2020 | 12.5% | zł28.66 Billion | zł229.31 Billion | zł200.65 Billion | ▼ -0.4 pp |
| 2019 | 12.9% | zł26.98 Billion | zł209.48 Billion | zł182.50 Billion | ▼ -0.1 pp |
| 2018 | 13.0% | zł26.67 Billion | zł205.85 Billion | zł179.18 Billion | ▼ -2.3 pp |
| 2017 | 15.3% | zł23.34 Billion | zł152.67 Billion | zł129.33 Billion | ▲ +1.3 pp |
| 2016 | 14.0% | zł21.02 Billion | zł150.10 Billion | zł129.08 Billion | ▼ -0.7 pp |
| 2015 | 14.7% | zł20.57 Billion | zł139.71 Billion | zł119.14 Billion | ▲ +1.3 pp |
| 2014 | 13.4% | zł18.05 Billion | zł134.50 Billion | zł116.45 Billion | ▼ -0.2 pp |
| 2013 | 13.7% | zł14.48 Billion | zł106.09 Billion | zł91.61 Billion | ▼ -1.3 pp |
| 2012 | 15.0% | zł8.98 Billion | zł60.02 Billion | zł51.04 Billion | ▲ +2.5 pp |
| 2011 | 12.5% | zł7.48 Billion | zł59.87 Billion | zł52.39 Billion | ▼ -0.2 pp |
| 2010 | 12.7% | zł6.77 Billion | zł53.15 Billion | zł46.38 Billion | ▲ +1.5 pp |
| 2009 | 11.2% | zł6.06 Billion | zł54.06 Billion | zł48.00 Billion | ▲ +2.6 pp |
| 2008 | 8.6% | zł4.95 Billion | zł57.60 Billion | zł52.65 Billion | ▼ -83.7 pp |
| 2007 | 92.3% | zł4.22 Billion | zł4.58 Billion | zł352.96 Million | ▲ +8.1 pp |
| 2006 | 84.1% | zł3.43 Billion | zł4.08 Billion | zł646.34 Million | ▲ +72.7 pp |
| 2005 | 11.4% | zł3.38 Billion | zł29.55 Billion | zł26.17 Billion | ▲ +0.5 pp |
| 2004 | 11.0% | zł3.02 Billion | zł27.56 Billion | zł24.54 Billion | ▲ +7.9 pp |
| 2003 | 3.0% | zł729.60 Million | zł24.17 Billion | zł23.44 Billion | ▲ +0.1 pp |
| 2002 | 2.9% | zł729.60 Million | zł24.91 Billion | zł24.18 Billion | — |