Santander Bank Polska S.A. (SPL) — Tangible Net Worth Ratio
Santander Bank Polska S.A. (SPL) has a Tangible Net Worth Ratio of 97.2% as of December 2025. This metric is calculated by deducting intangible assets (zł987.65 Million) from net assets (zł35.51 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See SPL working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Santander Bank Polska S.A. Tangible Net Worth Ratio (2002–2025)
This chart shows how Santander Bank Polska S.A.'s Tangible Net Worth Ratio has changed across 24 annual periods from 2002 to 2025. As of December 2025, the ratio stands at 97.2%, reflecting net assets of zł35.51 Billion with intangible assets of zł987.65 Million PLN. See SPL cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Santander Bank Polska S.A. (2002–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Santander Bank Polska S.A. from 2002 to 2025, covering 24 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Santander Bank Polska S.A. stock valuation.
| Year | Tangible NW Ratio | Net Assets (PLN) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 97.2% | zł35.51 Billion | zł987.65 Million | zł308.15 Billion | ▲ +0.1 pp |
| 2024 | 97.2% | zł34.44 Billion | zł979.81 Million | zł304.37 Billion | ▼ -0.2 pp |
| 2023 | 97.4% | zł33.69 Billion | zł881.86 Million | zł276.65 Billion | ▼ -0.2 pp |
| 2022 | 97.5% | zł30.12 Billion | zł740.76 Million | zł259.17 Billion | ▲ +0.1 pp |
| 2021 | 97.5% | zł27.21 Billion | zł692.80 Million | zł244.88 Billion | ▼ -0.1 pp |
| 2020 | 97.5% | zł28.66 Billion | zł708.36 Million | zł229.31 Billion | ▲ +0.4 pp |
| 2019 | 97.1% | zł26.98 Billion | zł772.12 Million | zł209.48 Billion | ▲ +0.2 pp |
| 2018 | 96.9% | zł26.67 Billion | zł819.41 Million | zł205.85 Billion | ▼ -1.0 pp |
| 2017 | 97.9% | zł23.34 Billion | zł490.33 Million | zł152.67 Billion | ▲ +0.2 pp |
| 2016 | 97.7% | zł21.02 Billion | zł486.76 Million | zł150.10 Billion | ▼ -0.1 pp |
| 2015 | 97.7% | zł20.57 Billion | zł465.69 Million | zł139.71 Billion | ▲ +0.5 pp |
| 2014 | 97.2% | zł18.05 Billion | zł505.38 Million | zł134.50 Billion | ▲ +0.7 pp |
| 2013 | 96.5% | zł14.48 Billion | zł506.79 Million | zł106.09 Billion | ▼ -2.1 pp |
| 2012 | 98.6% | zł8.98 Billion | zł127.34 Million | zł60.02 Billion | ▲ +0.6 pp |
| 2011 | 98.0% | zł7.48 Billion | zł151.17 Million | zł59.87 Billion | ▼ -2.0 pp |
| 2010 | 100.0% | zł6.77 Billion | zł0.00 | zł53.15 Billion | ▲ +3.0 pp |
| 2009 | 97.0% | zł6.06 Billion | zł181.62 Million | zł54.06 Billion | ▲ +0.5 pp |
| 2008 | 96.5% | zł4.95 Billion | zł173.93 Million | zł57.60 Billion | ▼ -0.8 pp |
| 2007 | 97.3% | zł4.22 Billion | zł115.28 Million | zł4.58 Billion | ▲ +1.2 pp |
| 2006 | 96.1% | zł3.43 Billion | zł135.03 Million | zł4.08 Billion | ▲ +1.2 pp |
| 2005 | 94.8% | zł3.38 Billion | zł174.19 Million | zł29.55 Billion | ▼ -5.2 pp |
| 2004 | 100.0% | zł3.02 Billion | zł0.00 | zł27.56 Billion | ▲ +0.0 pp |
| 2003 | 100.0% | zł729.60 Million | zł0.00 | zł24.17 Billion | ▲ +0.0 pp |
| 2002 | 100.0% | zł729.60 Million | zł0.00 | zł24.91 Billion | — |