Santander Bank Polska SA (SPL) - Total Liabilities

Latest as of December 2025: zł272.64 Billion PLN ≈ $75.04 Billion USD

Based on the latest financial reports, Santander Bank Polska SA (SPL) has total liabilities worth zł272.64 Billion PLN (≈ $75.04 Billion USD) as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore SPL operating cash flow to assess how effectively this company generates cash.

Santander Bank Polska SA - Total Liabilities Trend (2002–2025)

This chart illustrates how Santander Bank Polska SA's total liabilities have evolved over time, based on quarterly financial data. Check Santander Bank Polska SA liquidity resilience to evaluate the company's liquid asset resilience ratio.

Santander Bank Polska SA Competitors by Total Liabilities

The table below lists competitors of Santander Bank Polska SA ranked by their total liabilities.

Company	Country	Total Liabilities
Evolution Mining Ltd AU:EVN	Australia	AU$4.39 Billion
Amcor PLC NYSE:AMCR	USA	$25.40 Billion
Adani Energy Solutions Limited NSE:ADANIENSOL	India	Rs582.72 Billion
Dongfang Electric Corp Ltd Class A SHG:600875	China	CN¥117.28 Billion
Will Semiconductor Co Ltd SHG:603501	China	CN¥16.51 Billion
Zhejiang Century Huatong Group Co Ltd SHE:002602	China	CN¥13.30 Billion
Hong Kong Land Holdings Ltd LSE:HKLB	UK	$8.90 Billion

Liability Composition Analysis (2002–2025)

This chart breaks down Santander Bank Polska SA's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see SPL market cap.

Liquidity & Leverage Metrics

Key Metrics Explained

Metric	Value	Description
Current Ratio	N/A	Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities)
Quick Ratio	N/A	More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities)
Cash Ratio	N/A	Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities)
Debt to Equity	7.70	Measures financial leverage (Total Liabilities ÷ Shareholder Equity)
Debt to Assets	0.88	Portion of assets financed with debt (Total Liabilities ÷ Total Assets)

Liability Trends Comparison

This chart compares key liability metrics across different time periods, showing how Santander Bank Polska SA's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.

Annual Total Liabilities for Santander Bank Polska SA (2002–2025)

The table below shows the annual total liabilities of Santander Bank Polska SA from 2002 to 2025.

Year	Total Liabilities	Change
2025-12-31	zł272.64 Billion ≈ $75.04 Billion	+1.00%
2024-12-31	zł269.93 Billion ≈ $74.29 Billion	+11.10%
2023-12-31	zł242.96 Billion ≈ $66.87 Billion	+6.07%
2022-12-31	zł229.05 Billion ≈ $63.04 Billion	+5.23%
2021-12-31	zł217.66 Billion ≈ $59.90 Billion	+8.48%
2020-12-31	zł200.65 Billion ≈ $55.22 Billion	+9.95%
2019-12-31	zł182.50 Billion ≈ $50.23 Billion	+1.85%
2018-12-31	zł179.18 Billion ≈ $49.31 Billion	+38.55%
2017-12-31	zł129.33 Billion ≈ $35.59 Billion	+0.19%
2016-12-31	zł129.08 Billion ≈ $35.53 Billion	+8.34%
2015-12-31	zł119.14 Billion ≈ $32.79 Billion	+2.31%
2014-12-31	zł116.45 Billion ≈ $32.05 Billion	+27.12%
2013-12-31	zł91.61 Billion ≈ $25.21 Billion	+79.47%
2012-12-31	zł51.04 Billion ≈ $14.05 Billion	-2.57%
2011-12-31	zł52.39 Billion ≈ $14.42 Billion	+12.96%
2010-12-31	zł46.38 Billion ≈ $12.76 Billion	-3.38%
2009-12-31	zł48.00 Billion ≈ $13.21 Billion	-8.82%
2008-12-31	zł52.65 Billion ≈ $14.49 Billion	+14815.50%
2007-12-31	zł352.96 Million ≈ $97.14 Million	-45.39%
2006-12-31	zł646.34 Million ≈ $177.88 Million	-97.53%
2005-12-31	zł26.17 Billion ≈ $7.20 Billion	+6.65%
2004-12-31	zł24.54 Billion ≈ $6.75 Billion	+4.68%
2003-12-31	zł23.44 Billion ≈ $6.45 Billion	-3.08%
2002-12-31	zł24.18 Billion ≈ $6.66 Billion	--

About Santander Bank Polska SA

WAR:SPL Poland Banks - Regional

Market Cap

$17.44 Billion

zł63.36 Billion PLN

Market Cap Rank

#1433 Global

#3 in Poland

Share Price

zł620.00

Change (1 day)

-1.56%

52-Week Range

zł457.60 - zł667.40

All Time High

zł667.40