Dashboard
1
Efficient Cost Management with a low Cost to Income Ratio of 35.77%
2
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
Flat results in Jun 25
5
With ROA of 1.01%, it has a very attractive valuation with a 1.58 Price to Book Value
6
Underperformed the market in the last 1 year
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
3.84%
0%
3.84%
6 Months
7.99%
0%
7.99%
1 Year
9.28%
0%
9.28%
2 Years
1.38%
0%
1.38%
3 Years
98.16%
0%
98.16%
4 Years
53.21%
0%
53.21%
5 Years
174.32%
0%
174.32%
Santander Bank Polska SA for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
17.50%
EBIT Growth (5y)
27.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
90.90%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.58
EV to EBIT
5.71
EV to EBITDA
5.38
EV to Capital Employed
1.48
EV to Sales
2.91
PEG Ratio
1.20
Dividend Yield
9.62%
ROCE (Latest)
25.89%
ROE (Latest)
16.69%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
About Santander Bank Polska SA 
Santander Bank Polska SA
Regional Banks
Santander Bank Polska SA, formerly Bank Zachodni WBK SA, is a Poland-based commercial bank. It offers a range of banking services for private and business entities. The Bank operates through a network of retail branches in Poland, as well as automatic teller machines (ATM). Its operations are supported by mobile sellers, who are able to reach its clients in smaller cities. It also offers such services as securities intermediation, leasing, factoring, asset and fund management, insurance, and shares trading. The Bank issues payment cards and credit cards. Its customers are also offered access to their funds via the Internet, fixed-line telephones and mobile phones. As of December 31, 2012, it operated such wholly owned subsidiaries as Kredyt Trade Sp. z o.o. w likwidacji, Kredyt Lease SA, BFI Serwis Sp. z o.o. and Lizar Sp. z o.o. On January 4, 2013, Bank Zachodni WBK SA acquired the entire stake of Kredyt Bank SA.
Company Coordinates 
Company Details
Al. Jana Pawla II 17 , WARSZAWA None : 00-854
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