Santander Bank Polska

Santander Bank Polska ROCE

The Return on Capital Employed (ROCE) of Santander Bank Polska (SPL.WA) as of Oct 20, 2026 is 23.26 %. In the previous year, Return on Capital Employed (ROCE) was 21.10 % — a change of 10.28% (higher).

ROCE

23.26 %

YoY

10.28%

Last updated:

In 2025, Santander Bank Polska's return on capital employed (ROCE) was 23.26 %, a 10.28% increase from the 21.10 % ROCE in the previous year.

The Santander Bank Polska ROCE history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROCE
Date
ROCE
Jan 1, 2018
12.88 PLN
Jan 1, 2019
12.03 PLN
Jan 1, 2020
6.56 PLN
Jan 1, 2021
7.56 PLN
Jan 1, 2022
15.29 PLN
Jan 1, 2023
20.33 PLN
Jan 1, 2024
21.10 PLN
Jan 1, 2025
23.26 PLN
The Santander Bank Polska ROCE history
YEARROCEYoY
23.26 %+10.28%
21.10 %+3.76%
20.33 %+32.96%
15.29 %+102.23%
7.56 %+15.21%
6.56 %-45.43%
12.03 %-6.60%
12.88 %-9.88%
14.29 %-3.81%
14.85 %-3.87%
15.45 %+5.66%
14.62 %—

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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.

ROCE Details

Unraveling Santander Bank Polska's Return on Capital Employed (ROCE)

Santander Bank Polska's Return on Capital Employed (ROCE) is a financial metric that measures the company's profitability and efficiency with respect to the capital employed. It is calculated by dividing earnings before interest and tax (EBIT) by the employed capital. A higher ROCE indicates that the company is effectively utilizing its capital to generate profits.

Year-to-Year Comparison

Analyzing Santander Bank Polska's ROCE annually provides valuable insights into its efficiency in using its capital to generate profits. An increasing ROCE indicates improved profitability and operational efficiency, whereas a decrease might signal potential issues in capital utilization or business operations.

Impact on Investments

Santander Bank Polska's ROCE is a critical factor for investors and analysts for evaluating the company’s efficiency and profitability. A higher ROCE can make the company an attractive investment, as it often signifies that the firm is generating adequate profits from its employed capital.

Interpreting ROCE Fluctuations

Changes in Santander Bank Polska’s ROCE are attributed to variations in EBIT or the capital employed. These fluctuations offer insights into the company’s operational efficiency, financial performance, and strategic financial management, assisting investors in making informed investment decisions.

Frequently Asked Questions about Santander Bank Polska stock

Return on Capital Employed (ROCE) of Santander Bank Polska is 23.26 % in 2025.

Return on Capital Employed (ROCE) of Santander Bank Polska changed from 21.10 % to 23.26 %, representing a 10.28% change. The value is higher than the previous year.

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

ROCE is a profitability measure and stands for Return on Capital Employed or the return on invested capital. The measure shows the ratio of operating profit to the interest-bearing capital employed. The higher the return on capital employed, the more profitable a company operates and the higher the important free cash flow. The free cash flow refers to the portion of profits that is not needed for expanding the company at the end of a period, but is available to shareholders.

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

To evaluate Return on Capital Employed (ROCE)'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 Capital Employed (ROCE).

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Profitability — Santander Bank Polska

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