Santander Bank Polska Balance Sheet Health
Financial Health criteria checks 4/6
Santander Bank Polska has total assets of PLN282.9B and total equity of PLN31.2B. Total deposits are PLN217.2B, and total loans are PLN174.2B earning a Net Interest Margin of 5.4%. It has insufficient allowance for bad loans, which are currently at 4.2% of total loans. Cash and short-term investments are PLN24.8B.
Key information
9.1x
Asset to equity ratio
5.4%
Net interest margin
| Total deposits | zł217.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | zł24.83b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BKZH.Y's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: BKZH.Y has a low allowance for bad loans (76%).
Low Risk Liabilities: 86% of BKZH.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: BKZH.Y has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: BKZH.Y's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: BKZH.Y has a high level of bad loans (4.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/10/11 15:51 |
| End of Day Share Price | 2024/07/15 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Santander Bank Polska S.A. is covered by 32 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Andreas Markou | Berenberg |
| Kamil Kliszcz | Biuro maklerskie mBanku |
| Olga Veselova | BofA Global Research |