Santander Bank Polska

Santander Bank Polska ROA

The Return on Assets (ROA) of Santander Bank Polska (SPL.WA) as of Oct 20, 2026 is 2.10 %. In the previous year, Return on Assets (ROA) was 1.71 % — a change of 22.77% (higher).

ROA

2.10 %

YoY

22.77%

Last updated:

In 2025, Santander Bank Polska's return on assets (ROA) was 2.10 %, a 22.77% increase from the 1.71 % ROA in the previous year.

The Santander Bank Polska ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
1.14 PLN
Jan 1, 2019
1.02 PLN
Jan 1, 2020
0.45 PLN
Jan 1, 2021
0.46 PLN
Jan 1, 2022
1.09 PLN
Jan 1, 2023
1.75 PLN
Jan 1, 2024
1.71 PLN
Jan 1, 2025
2.10 PLN
The Santander Bank Polska ROA history
YEARROAYoY
2.10 %+22.77%
1.71 %-1.93%
1.75 %+60.66%
1.09 %+137.61%
0.46 %+1.14%
0.45 %-55.69%
1.02 %-10.74%
1.14 %-21.10%
1.45 %+0.41%
1.44 %-13.34%
1.67 %+17.02%
1.42 %—

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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.

ROA Details

Understanding Santander Bank Polska's Return on Assets (ROA)

Santander Bank Polska's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Santander Bank Polska's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Santander Bank Polska's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Santander Bank Polska’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Santander Bank Polska stock

Return on Assets (ROA) of Santander Bank Polska is 2.10 % in 2025.

Return on Assets (ROA) of Santander Bank Polska changed from 1.71 % to 2.10 %, representing a 22.77% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Santander Bank Polska since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Santander Bank Polska with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Santander Bank Polska

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — Santander Bank Polska