Santander Bank Polska

Santander Bank Polska ROE

The Return on Equity (ROE) of Santander Bank Polska (SPL.WA) as of Oct 20, 2026 is 18.29 %. In the previous year, Return on Equity (ROE) was 16.03 % — a change of 14.12% (higher).

ROE

18.29 %

YoY

14.12%

Last updated:

In 2025, Santander Bank Polska's return on equity (ROE) was 18.29 %, a 14.12% increase from the 16.03 % ROE in the previous year.

The Santander Bank Polska ROE history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROE
Date
ROE
Jan 1, 2018
9.44 PLN
Jan 1, 2019
8.41 PLN
Jan 1, 2020
3.84 PLN
Jan 1, 2021
4.35 PLN
Jan 1, 2022
10.50 PLN
Jan 1, 2023
15.21 PLN
Jan 1, 2024
16.03 PLN
Jan 1, 2025
18.29 PLN
The Santander Bank Polska ROE history
YEARROEYoY
18.29 %+14.12%
16.03 %+5.36%
15.21 %+44.91%
10.50 %+141.06%
4.35 %+13.33%
3.84 %-54.30%
8.41 %-10.95%
9.44 %-6.53%
10.10 %-7.78%
10.95 %-8.72%
12.00 %+3.61%
11.58 %+8,005.38%
0.14 %-11.46%
0.16 %+0.23%
0.16 %+9.46%
0.15 %-1.50%
0.15 %-13.20%
0.17 %-32.75%
0.26 %+33.61%
0.19 %—

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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.

ROE Details

Decoding Santander Bank Polska's Return on Equity (ROE)

Santander Bank Polska's Return on Equity (ROE) is a fundamental metric evaluating the company's profitability relative to its equity. Calculated by dividing net income by shareholder's equity, ROE illustrates how effectively the company is generating profits from shareholders’ investments. A higher ROE represents enhanced efficiency and profitability.

Year-to-Year Comparison

Analyzing Santander Bank Polska's ROE on a yearly basis aids in tracking its profitability trends and financial performance. An increasing ROE suggests enhanced profitability and value generation for shareholders, whereas a declining ROE may indicate issues in profit generation or equity management.

Impact on Investments

Santander Bank Polska's ROE is instrumental for investors assessing the company's profitability, efficiency, and investment attractiveness. A robust ROE indicates the firm’s adeptness at converting equity investments into profits, thereby enhancing its appeal to potential and current investors.

Interpreting ROE Fluctuations

Changes in Santander Bank Polska’s ROE can emanate from variations in net income, equity capital, or both. These fluctuations are scrutinized to evaluate management’s effectiveness, financial strategies, and the inherent risks and opportunities, aiding investors in making informed decisions.

Frequently Asked Questions about Santander Bank Polska stock

Return on Equity (ROE) of Santander Bank Polska is 18.29 % in 2025.

Return on Equity (ROE) of Santander Bank Polska changed from 16.03 % to 18.29 %, representing a 14.12% change. The value is higher than the previous year.

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

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

To evaluate Return on Equity (ROE)'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 Equity (ROE).

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Profitability — Santander Bank Polska

All Key Metrics — Santander Bank Polska