Santander Bank Polska S.A.
Santander 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… Read more
Santander Bank Polska S.A. (BKZHF) - Net Assets
Latest net assets as of December 2025: $35.46 Billion USD
Based on the latest financial reports, Santander Bank Polska S.A. (BKZHF) has net assets worth $35.46 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($307.76 Billion) and total liabilities ($272.30 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $35.46 Billion |
| % of Total Assets | 11.52% |
| Annual Growth Rate | 18.39% |
| 5-Year Change | 30.3% |
| 10-Year Change | 68.71% |
| Growth Volatility | 62.91 |
Santander Bank Polska S.A. - Net Assets Trend (2002–2025)
This chart illustrates how Santander Bank Polska S.A.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Santander Bank Polska S.A. (2002–2025)
The table below shows the annual net assets of Santander Bank Polska S.A. from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $35.46 Billion | +2.96% |
| 2024-12-31 | $34.44 Billion | +2.23% |
| 2023-12-31 | $33.69 Billion | +18.36% |
| 2022-12-31 | $28.47 Billion | +4.60% |
| 2021-12-31 | $27.21 Billion | -5.04% |
| 2020-12-31 | $28.66 Billion | +6.22% |
| 2019-12-31 | $26.98 Billion | +1.45% |
| 2018-12-31 | $26.59 Billion | +13.93% |
| 2017-12-31 | $23.34 Billion | +11.06% |
| 2016-12-31 | $21.02 Billion | +2.19% |
| 2015-12-31 | $20.57 Billion | +13.94% |
| 2014-12-31 | $18.05 Billion | +24.64% |
| 2013-12-31 | $14.48 Billion | +61.32% |
| 2012-12-31 | $8.98 Billion | +19.98% |
| 2011-12-31 | $7.48 Billion | +10.47% |
| 2010-12-31 | $6.77 Billion | +12.21% |
| 2009-12-31 | $6.04 Billion | +15.81% |
| 2008-12-31 | $5.21 Billion | +23.41% |
| 2007-12-31 | $4.22 Billion | +23.13% |
| 2006-12-31 | $3.43 Billion | +1.45% |
| 2005-12-31 | $3.38 Billion | +11.90% |
| 2004-12-31 | $3.02 Billion | +314.19% |
| 2003-12-31 | $729.60 Million | 0.00% |
| 2002-12-31 | $729.60 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Santander Bank Polska S.A.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3497.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $10.08 Billion | 28.49% |
| Common Stock | $1.02 Billion | 2.88% |
| Other Comprehensive Income | $16.31 Billion | 46.10% |
| Other Components | $7.97 Billion | 22.53% |
| Total Equity | $35.38 Billion | 100.00% |
Santander Bank Polska S.A. Competitors by Market Cap
The table below lists competitors of Santander Bank Polska S.A. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wuxi Taiji Industry Co Ltd
SHG:600667
|
$1.92 Billion |
|
Organización Soriana S. A. B. de C. V
MX:SORIANAB
|
$1.92 Billion |
|
Sinch AB (publ)
OTCGREY:CLCMF
|
$1.92 Billion |
|
Yuan Longping High-tech Agriculture Co Ltd
SHE:000998
|
$1.92 Billion |
|
Capital Financial Indonesia Tbk PT
JK:CASA
|
$1.92 Billion |
|
STELCO HLDGS INC.
F:S0K
|
$1.92 Billion |
|
Wistron NeWeb Corp
TW:6285
|
$1.92 Billion |
|
HD Hyundai Marine Solution
KO:443060
|
$1.92 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Santander Bank Polska S.A.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 32,527,467,000 to 35,380,669,000, a change of 2,853,202,000 (8.8%).
- Net income of 6,470,584,000 contributed positively to equity growth.
- Dividend payments of 4,788,904,000 reduced retained earnings.
- Share repurchases of 82,262,000 reduced equity.
- Other comprehensive income increased equity by 16,309,323,000.
- Other factors decreased equity by 15,055,539,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.47 Billion | +18.29% |
| Dividends Paid | $4.79 Billion | -13.54% |
| Share Repurchases | $82.26 Million | -0.23% |
| Other Comprehensive Income | $16.31 Billion | +46.1% |
| Other Changes | $-15.06 Billion | -42.55% |
| Total Change | $- | 8.77% |
Book Value vs Market Value Analysis
This analysis compares Santander Bank Polska S.A.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.13x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 4.55x to 0.13x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $10.00 | $45.48 | x |
| 2003-12-31 | $10.00 | $45.48 | x |
| 2004-12-31 | $41.00 | $45.48 | x |
| 2005-12-31 | $45.59 | $45.48 | x |
| 2006-12-31 | $54.21 | $45.48 | x |
| 2007-12-31 | $59.37 | $45.48 | x |
| 2008-12-31 | $68.15 | $45.48 | x |
| 2009-12-31 | $81.12 | $45.48 | x |
| 2010-12-31 | $90.29 | $45.48 | x |
| 2011-12-31 | $100.28 | $45.48 | x |
| 2012-12-31 | $119.84 | $45.48 | x |
| 2013-12-31 | $148.14 | $45.48 | x |
| 2014-12-31 | $171.50 | $45.48 | x |
| 2015-12-31 | $195.09 | $45.48 | x |
| 2016-12-31 | $199.02 | $45.48 | x |
| 2017-12-31 | $220.50 | $45.48 | x |
| 2018-12-31 | $250.56 | $45.48 | x |
| 2019-12-31 | $248.84 | $45.48 | x |
| 2020-12-31 | $264.11 | $45.48 | x |
| 2021-12-31 | $249.85 | $45.48 | x |
| 2022-12-31 | $260.97 | $45.48 | x |
| 2023-12-31 | $310.82 | $45.48 | x |
| 2024-12-31 | $318.31 | $45.48 | x |
| 2025-12-31 | $346.23 | $45.48 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Santander Bank Polska S.A. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.29%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 36.23%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.70x
- Recent ROE (18.29%) is above the historical average (14.81%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 37.38% | 20.17% | 0.05x | 34.15x | $199.73 Million |
| 2003 | 17.66% | 6.44% | 0.08x | 33.13x | $55.91 Million |
| 2004 | 15.23% | 20.34% | 0.08x | 9.21x | $156.47 Million |
| 2005 | 16.41% | 22.17% | 0.08x | 8.88x | $213.25 Million |
| 2006 | 19.15% | 24.98% | 0.74x | 1.03x | $362.22 Million |
| 2007 | 25.58% | 29.02% | 0.84x | 1.05x | $676.52 Million |
| 2008 | 17.20% | 17.62% | 0.08x | 11.55x | $358.19 Million |
| 2009 | 14.93% | 17.88% | 0.09x | 9.12x | $292.44 Million |
| 2010 | 14.71% | 20.11% | 0.09x | 8.03x | $311.92 Million |
| 2011 | 16.10% | 22.96% | 0.09x | 8.13x | $448.79 Million |
| 2012 | 16.14% | 25.20% | 0.09x | 6.76x | $545.41 Million |
| 2013 | 14.29% | 26.12% | 0.07x | 7.65x | $595.12 Million |
| 2014 | 11.58% | 23.26% | 0.06x | 8.14x | $261.62 Million |
| 2015 | 12.00% | 27.81% | 0.06x | 7.20x | $388.07 Million |
| 2016 | 10.95% | 24.43% | 0.06x | 7.59x | $188.76 Million |
| 2017 | 10.10% | 24.72% | 0.06x | 6.97x | $22.33 Million |
| 2018 | 9.44% | 24.50% | 0.05x | 8.26x | $-139.70 Million |
| 2019 | 8.41% | 19.12% | 0.05x | 8.24x | $-404.85 Million |
| 2020 | 3.84% | 10.86% | 0.04x | 8.49x | $-1.66 Billion |
| 2021 | 4.35% | 11.83% | 0.04x | 9.52x | $-1.44 Billion |
| 2022 | 10.50% | 18.43% | 0.06x | 9.66x | $132.29 Million |
| 2023 | 15.21% | 22.74% | 0.08x | 8.71x | $1.65 Billion |
| 2024 | 16.03% | 32.44% | 0.05x | 9.36x | $1.96 Billion |
| 2025 | 18.29% | 36.23% | 0.06x | 8.70x | $2.93 Billion |
Industry Comparison
This section compares Santander Bank Polska S.A.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Santander Bank Polska S.A. (BKZHF) | $35.46 Billion | 37.38% | 7.68x | $1.92 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |