Santander Bank Polska S.A. (SPL) - Total Assets
Based on the latest financial reports, Santander Bank Polska S.A. (SPL) holds total assets worth zł308.15 Billion PLN (≈ $84.81 Billion USD) as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Explore cash flow to debt ratio of Santander Bank Polska S.A. to assess how comfortably operating cash covers total debt obligations.
Santander Bank Polska S.A. - Total Assets Trend (2002–2025)
This chart illustrates how Santander Bank Polska S.A.'s total assets have evolved over time, based on quarterly financial data. See what is Santander Bank Polska S.A.'s book value for net asset value and shareholders' equity analysis.
Santander Bank Polska S.A. - Asset Composition Analysis
Current Asset Composition (December 2025)
Santander Bank Polska S.A.'s total assets of zł308.15 Billion consist of 0.0% current assets and 0.0% non-current assets.
| Asset Category | Amount (PLN) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | zł0.00 | 7.2% |
| Accounts Receivable | zł0.00 | 0.0% |
| Inventory | zł0.00 | 0.0% |
| Property, Plant & Equipment | zł0.00 | 0.0% |
| Intangible Assets | zł987.65 Million | 0.3% |
| Goodwill | zł1.69 Billion | 0.6% |
Asset Composition Trend (2002–2025)
This chart illustrates how Santander Bank Polska S.A.'s asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see SPL market cap overview.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Santander Bank Polska S.A.'s current assets represent 0.0% of total assets in 2025, a decrease from 5.6% in 2002.
- Cash Position: Cash and equivalents constituted 7.2% of total assets in 2025, up from 5.6% in 2002.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2002.
- Asset Diversification: The largest asset category is goodwill at 0.6% of total assets.
Santander Bank Polska S.A. Competitors by Total Assets
Key competitors of Santander Bank Polska S.A. based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK
|
Germany | €1.48 Trillion |
|
TURKIYE GARANTI BANKASI AS
F:GBKB
|
Germany | €4.78 Trillion |
|
Oberbank AG
VI:OBS
|
Austria | €28.85 Billion |
|
NOVA LJUBLJ.BK GDR REG.S
F:N1V2
|
Germany | €32.27 Billion |
|
Bank of Guiyang Co Ltd
SHG:601997
|
China | CN¥746.59 Billion |
|
Bank of Chongqing Co Ltd
F:CQN
|
Germany | €1.03 Trillion |
|
Nationwide Building Society
LSE:NBS
|
UK | £377.47 Billion |
|
VersaBank
TO:VBNK
|
Canada | CA$6.44 Billion |
Santander Bank Polska S.A. - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.06 | 0.18 | 5.04 |
| Quick Ratio | 0.06 | 0.22 | 5.04 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | zł-209.36 Billion | zł-132.44 Billion | zł4.48 Billion |
Santander Bank Polska S.A. - Advanced Valuation Insights
This section examines the relationship between Santander Bank Polska S.A.'s asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.81 |
| Latest Market Cap to Assets Ratio | 0.06 |
| Asset Growth Rate (YoY) | 1.2% |
| Total Assets | zł308.15 Billion |
| Market Capitalization | $17.44 Billion USD |
Valuation Analysis
Below Book Valuation: The market values Santander Bank Polska S.A.'s assets below their book value (0.06x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Santander Bank Polska S.A.'s assets grew by 1.2% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Santander Bank Polska S.A. (2002–2025)
The table below shows the annual total assets of Santander Bank Polska S.A. from 2002 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | zł308.15 Billion ≈ $84.81 Billion |
+1.24% |
| 2024-12-31 | zł304.37 Billion ≈ $83.77 Billion |
+10.02% |
| 2023-12-31 | zł276.65 Billion ≈ $76.14 Billion |
+6.75% |
| 2022-12-31 | zł259.17 Billion ≈ $71.33 Billion |
+5.84% |
| 2021-12-31 | zł244.88 Billion ≈ $67.39 Billion |
+6.79% |
| 2020-12-31 | zł229.31 Billion ≈ $63.11 Billion |
+9.47% |
| 2019-12-31 | zł209.48 Billion ≈ $57.65 Billion |
+1.76% |
| 2018-12-31 | zł205.85 Billion ≈ $56.65 Billion |
+34.83% |
| 2017-12-31 | zł152.67 Billion ≈ $42.02 Billion |
+1.72% |
| 2016-12-31 | zł150.10 Billion ≈ $41.31 Billion |
+7.44% |
| 2015-12-31 | zł139.71 Billion ≈ $38.45 Billion |
+3.87% |
| 2014-12-31 | zł134.50 Billion ≈ $37.02 Billion |
+26.78% |
| 2013-12-31 | zł106.09 Billion ≈ $29.20 Billion |
+76.76% |
| 2012-12-31 | zł60.02 Billion ≈ $16.52 Billion |
+0.24% |
| 2011-12-31 | zł59.87 Billion ≈ $16.48 Billion |
+12.64% |
| 2010-12-31 | zł53.15 Billion ≈ $14.63 Billion |
-1.67% |
| 2009-12-31 | zł54.06 Billion ≈ $14.88 Billion |
-6.15% |
| 2008-12-31 | zł57.60 Billion ≈ $15.85 Billion |
+1158.51% |
| 2007-12-31 | zł4.58 Billion ≈ $1.26 Billion |
+12.26% |
| 2006-12-31 | zł4.08 Billion ≈ $1.12 Billion |
-86.20% |
| 2005-12-31 | zł29.55 Billion ≈ $8.13 Billion |
+7.23% |
| 2004-12-31 | zł27.56 Billion ≈ $7.58 Billion |
+14.02% |
| 2003-12-31 | zł24.17 Billion ≈ $6.65 Billion |
-2.99% |
| 2002-12-31 | zł24.91 Billion ≈ $6.86 Billion |
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About Santander Bank Polska S.A.
Erste 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; mu… Read more