Santander Bank Polska

Santander Bank Polska OCF/Debt

The Operating Cash Flow to Debt Ratio of Santander Bank Polska (SPL.WA) as of Nov 13, 2026 is 21.38 %. In the previous year, Operating Cash Flow to Debt Ratio was 17.89 % — a change of 19.52% (higher).

OCF/Debt

21.38 %

YoY

19.52%

Last updated:

Operating Cash Flow to Debt Ratio of Santander Bank Polska is 2025 21.38 % . Operating Cash Flow to Debt Ratio of Santander Bank Polska was 2024 17.89 % . It decreases by 19.52% higher compared to the previous year.

The Santander Bank Polska OCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

OCF/Debt
Date
OCF/Debt
Jan 1, 2018
66.49 PLN
Jan 1, 2019
17.18 PLN
Jan 1, 2020
104.01 PLN
Jan 1, 2021
48.58 PLN
Jan 1, 2022
55.21 PLN
Jan 1, 2023
62.57 PLN
Jan 1, 2024
17.89 PLN
Jan 1, 2025
21.38 PLN
The Santander Bank Polska OCF/Debt history
YEAROCF/DebtYoY
21.38 %+19.52%
17.89 %-71.40%
62.57 %+13.33%
55.21 %+13.65%
48.58 %-53.30%
104.01 %+505.27%
17.18 %-74.16%
66.49 %-278.02%
-37.35 %-347.42%
15.10 %-146.33%
-32.59 %-158.87%
55.35 %—

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Santander Bank Polska Stock analysis

What does Santander Bank Polska do? Santander Bank Polska SA is a Polish bank that was founded on October 23, 1988. It was initially called Bank Zachodni SA and has undergone several name changes over the years until its current name in 2018. The bank employs nearly 17,000 people and serves over 5 million customers in Poland and internationally. The business model of Santander Bank Polska SA is based on four main areas: Retail Banking, Corporate & Investment Banking, Asset Management, and Santander Consumer Finance. Each of these areas is focused on different customers and market segments. The company has heavily focused on Retail Banking in recent years and has established itself as one of the leading banks in the Polish market. In Retail Banking, the bank offers various products and services tailored to the needs of its customers. These include savings accounts, checking accounts, credit cards, online banking, and various credit and financing solutions. The bank also offers insurance products such as car insurance and home insurance to support its customers in all their financial needs. In Corporate & Investment Banking, the company supports small and medium-sized enterprises as well as large corporations in financing deals and investments. This includes syndicated loans, trade finance, foreign exchange and interest rate hedging, and advisory services for mergers and acquisitions. Asset Management is another important area for the company, focusing on managing assets for institutional clients and private clients. The company offers various investment products such as mutual funds, retirement savings products, and wealth management services. Lastly, the company offers various financing solutions for consumer goods through its Santander Consumer Finance brand, such as car leasing and financing for the purchase of household appliances. The company has also formed partnerships with retailers and car manufacturers to provide customers with comprehensive financing options for their purchases. In recent years, the company has also developed a variety of digital solutions for its customers to make its services available online and through mobile devices. This includes mobile apps for bank accounts and credit cards, online loan applications, and an online chatbot to assist customers with their banking transactions. Overall, Santander Bank Polska SA has become one of the leading banks in Poland, solidifying its position in the market through its wide range of products and services, its commitment to customer orientation, and innovative digital solutions. Santander Bank Polska is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Santander Bank Polska stock

Operating Cash Flow to Debt Ratio of Santander Bank Polska is 21.38 % in 2025.

Operating Cash Flow to Debt Ratio of Santander Bank Polska changed from 17.89 % to 21.38 %, representing a 19.52% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Operating Cash Flow to Debt Ratio Santander Bank Polska since 2006 – with annual values, charts, and detailed analysis.

OCF/Debt measures what percentage of total debt can be covered by annual operating cash flow. Higher ratios indicate stronger debt repayment capacity.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Operating Cash Flow to Debt Ratio's Santander Bank Polska with sector peers and the industry average to assess whether it is attractive.

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Leverage — Santander Bank Polska

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