Erste Bank Polska S.A. (EBP) - Net Assets

Latest as of March 2026: zł35.79 Billion PLN ≈ $9.85 Billion USD

Based on the latest financial reports, Erste Bank Polska S.A. (EBP) has net assets worth zł35.79 Billion PLN (≈ $9.85 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł304.42 Billion ≈ $83.78 Billion USD) and total liabilities (zł268.62 Billion ≈ $73.93 Billion USD). 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. See Erste Bank Polska S.A. (EBP) balance sheet quality index to measure how much of total assets are equity-financed.

Key Net Assets Metrics

Metric	Value
Current Net Assets	zł35.79 Billion
% of Total Assets	11.76%
Annual Growth Rate	18.4%
5-Year Change	30.47%
10-Year Change	68.93%
Growth Volatility	62.81

Erste Bank Polska S.A. - Net Assets Trend (2002–2025)

This chart illustrates how Erste Bank Polska S.A.'s net assets have evolved over time, based on quarterly financial data. Also explore how fast is Erste Bank Polska S.A. growing its equity to track the company's year-over-year net asset growth rate.

Annual Net Assets for Erste Bank Polska S.A. (2002–2025)

The table below shows the annual net assets of Erste Bank Polska S.A. from 2002 to 2025. For live market cap and overall valuation, see market value of Erste Bank Polska S.A..

Year	Net Assets	Change
2025-12-31	zł35.51 Billion ≈ $9.77 Billion	+3.09%
2024-12-31	zł34.44 Billion ≈ $9.48 Billion	+2.23%
2023-12-31	zł33.69 Billion ≈ $9.27 Billion	+18.36%
2022-12-31	zł28.47 Billion ≈ $7.83 Billion	+4.60%
2021-12-31	zł27.21 Billion ≈ $7.49 Billion	-5.04%
2020-12-31	zł28.66 Billion ≈ $7.89 Billion	+6.22%
2019-12-31	zł26.98 Billion ≈ $7.43 Billion	+1.45%
2018-12-31	zł26.59 Billion ≈ $7.32 Billion	+13.93%
2017-12-31	zł23.34 Billion ≈ $6.42 Billion	+11.06%
2016-12-31	zł21.02 Billion ≈ $5.78 Billion	+2.19%
2015-12-31	zł20.57 Billion ≈ $5.66 Billion	+13.94%
2014-12-31	zł18.05 Billion ≈ $4.97 Billion	+24.64%
2013-12-31	zł14.48 Billion ≈ $3.99 Billion	+61.32%
2012-12-31	zł8.98 Billion ≈ $2.47 Billion	+19.98%
2011-12-31	zł7.48 Billion ≈ $2.06 Billion	+10.47%
2010-12-31	zł6.77 Billion ≈ $1.86 Billion	+12.21%
2009-12-31	zł6.04 Billion ≈ $1.66 Billion	+15.81%
2008-12-31	zł5.21 Billion ≈ $1.43 Billion	+13.89%
2007-12-31	zł4.58 Billion ≈ $1.26 Billion	+13.64%
2006-12-31	zł4.03 Billion ≈ $1.11 Billion	+19.10%
2005-12-31	zł3.38 Billion ≈ $930.64 Million	+11.90%
2004-12-31	zł3.02 Billion ≈ $831.68 Million	+314.19%
2003-12-31	zł729.60 Million ≈ $200.80 Million	0.00%
2002-12-31	zł729.60 Million ≈ $200.80 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Erste 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 3502.3% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	zł10.09 Billion	28.49%
Common Stock	zł1.02 Billion	2.88%
Other Comprehensive Income	zł24.31 Billion	68.63%
Total Equity	zł35.43 Billion	100.00%

Erste Bank Polska S.A. Competitors by Market Cap

The table below lists competitors of Erste Bank Polska S.A. ranked by their market capitalization.

Company	Market Cap
AVIVA PLC SPONS.ADR/2 F:GU80	$22.30 Billion
T. Rowe Price Group Inc NASDAQ:TROW	$22.30 Billion
B3 S.A. - Brasil Bolsa Balcão SA:B3SA3	$22.30 Billion
Reddit, Inc. NYSE:RDDT	$22.31 Billion
Hangzhou Chang Chuan Technology Co Ltd SHE:300604	$22.26 Billion
CHINA RES.LAND UNS.ADR/10 F:CHZ0	$22.25 Billion
Bank Mandiri Persero Tbk PT JK:BMRI	$22.22 Billion
Pure Storage Inc NYSE:PSTG	$22.11 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Erste 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 35,425,672,000, a change of 2,898,205,000 (8.9%).
Net income of 6,478,814,000 contributed positively to equity growth.
Dividend payments of 4,794,995,000 reduced retained earnings.
Share repurchases of 82,367,000 reduced equity.
Other comprehensive income increased equity by 8,087,867,000.
Other factors decreased equity by 6,791,114,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	zł6.48 Billion	+18.29%
Dividends Paid	zł4.79 Billion	-13.54%
Share Repurchases	zł82.37 Million	-0.23%
Other Comprehensive Income	zł8.09 Billion	+22.83%
Other Changes	zł-6.79 Billion	-19.17%
Total Change	zł-	8.91%

Book Value vs Market Value Analysis

This analysis compares Erste 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: 2.28x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 79.16x to 2.28x 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	zł10.00	zł791.60	x
2003-12-31	zł10.00	zł791.60	x
2004-12-31	zł41.00	zł791.60	x
2005-12-31	zł45.59	zł791.60	x
2006-12-31	zł54.21	zł791.60	x
2007-12-31	zł59.37	zł791.60	x
2008-12-31	zł68.15	zł791.60	x
2009-12-31	zł81.12	zł791.60	x
2010-12-31	zł90.29	zł791.60	x
2011-12-31	zł100.28	zł791.60	x
2012-12-31	zł119.84	zł791.60	x
2013-12-31	zł148.14	zł791.60	x
2014-12-31	zł171.50	zł791.60	x
2015-12-31	zł195.09	zł791.60	x
2016-12-31	zł199.02	zł791.60	x
2017-12-31	zł220.50	zł791.60	x
2018-12-31	zł250.56	zł791.60	x
2019-12-31	zł248.84	zł791.60	x
2020-12-31	zł264.11	zł791.60	x
2021-12-31	zł249.85	zł791.60	x
2022-12-31	zł260.97	zł791.60	x
2023-12-31	zł310.82	zł791.60	x
2024-12-31	zł318.31	zł791.60	x
2025-12-31	zł346.67	zł791.60	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Erste 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	zł199.73 Million
2003	17.66%	6.44%	0.08x	33.13x	zł55.91 Million
2004	15.23%	20.34%	0.08x	9.21x	zł156.47 Million
2005	16.41%	22.17%	0.08x	8.88x	zł213.25 Million
2006	19.15%	24.98%	0.09x	8.33x	zł362.22 Million
2007	25.58%	29.02%	0.09x	9.44x	zł676.52 Million
2008	17.20%	17.62%	0.08x	11.55x	zł358.19 Million
2009	14.93%	17.88%	0.09x	9.12x	zł292.44 Million
2010	14.71%	20.11%	0.09x	8.03x	zł311.92 Million
2011	16.10%	22.96%	0.09x	8.13x	zł448.79 Million
2012	16.14%	25.20%	0.09x	6.76x	zł545.41 Million
2013	14.29%	26.12%	0.07x	7.65x	zł595.12 Million
2014	11.58%	23.26%	0.06x	8.14x	zł261.62 Million
2015	12.00%	27.81%	0.06x	7.20x	zł388.07 Million
2016	10.95%	24.43%	0.06x	7.59x	zł188.76 Million
2017	10.10%	24.72%	0.06x	6.97x	zł22.33 Million
2018	9.44%	24.50%	0.05x	8.26x	zł-139.70 Million
2019	8.41%	19.12%	0.05x	8.24x	zł-404.85 Million
2020	3.84%	10.86%	0.04x	8.49x	zł-1.66 Billion
2021	4.35%	11.83%	0.04x	9.52x	zł-1.44 Billion
2022	10.50%	18.43%	0.06x	9.66x	zł132.29 Million
2023	15.21%	22.74%	0.08x	8.71x	zł1.65 Billion
2024	16.03%	23.34%	0.07x	9.36x	zł1.96 Billion
2025	18.29%	36.23%	0.06x	8.70x	zł2.94 Billion

Industry Comparison

This section compares Erste 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: $11,780,810,667
Average return on equity (ROE) among peers: 7.20%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Erste Bank Polska S.A. (EBP)	zł35.79 Billion	37.38%	7.50x	$22.26 Billion
Bank Handlowy w Warszawie SA (BHW)	$6.24 Billion	7.93%	4.46x	$4.31 Billion
BNP Paribas Bank Polska S.A. (BNP)	$2.07 Billion	13.15%	8.68x	$6.76 Billion
Bank Ochrony Środowiska SA (BOS)	$2.23 Billion	3.57%	9.19x	$258.26 Million
Getin Holding SA (GTN)	$4.05 Billion	8.29%	7.77x	$15.62 Million
ING Bank Śląski SA (ING)	$6.42 Billion	13.72%	9.87x	$16.78 Billion
mBank SA (MBK)	$1.70 Billion	-21.76%	15.12x	$17.02 Billion
Bank Millennium S.A. (MIL)	$6.44 Billion	8.48%	9.28x	$7.59 Billion
Bank Polska Kasa Opieki SA (PEO)	$18.37 Billion	13.13%	6.11x	$19.55 Billion
Powszechna Kasa Oszczednosci Bank Polski SA (PKO)	$58.50 Billion	18.26%	8.97x	$40.90 Billion

About Erste Bank Polska S.A.

WAR:EBP Poland Banks - Regional

Market Cap

$22.26 Billion

zł80.89 Billion PLN

Market Cap Rank

#1164 Global

#3 in Poland

Share Price

zł791.60

Change (1 day)

-1.07%

52-Week Range

zł564.40 - zł807.60

All Time High

zł807.60