Santander Bank Polska Balance Sheet

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Cash & Equivalents	1,336	9,052	7,216	9,663	9,361	6,381	Upgrade
Investment Securities	77,121	74,921	64,182	66,254	63,076	40,233	Upgrade
Trading Asset Securities	10,249	10,514	7,433	4,183	3,190	1,952	Upgrade
Total Investments	87,371	85,435	71,615	70,438	66,266	42,185	Upgrade
Gross Loans	185,297	176,351	169,210	155,644	151,829	152,957	Upgrade
Allowance for Loan Losses	-6,129	-5,692	-5,884	-5,860	-6,327	-5,244	Upgrade
Other Adjustments to Gross Loans	-	-1,605	-1,240	-702.26	-575.98	-593.08	Upgrade
Net Loans	179,168	169,054	162,086	149,082	144,925	147,119	Upgrade
Property, Plant & Equipment	1,273	1,260	1,186	1,250	1,514	1,713	Upgrade
Goodwill	1,712	1,712	1,712	1,712	1,712	1,712	Upgrade
Other Intangible Assets	894.33	881.86	740.76	692.8	708.36	772.12	Upgrade
Other Receivables	-	1,236	999.23	1,182	719.87	791.57	Upgrade
Restricted Cash	11,619	5,612	6,853	5,773	1,128	5,592	Upgrade
Other Current Assets	4.89	337.67	276.3	274.22	312.66	260.27	Upgrade
Long-Term Deferred Tax Assets	1,313	1,751	2,486	2,384	1,997	1,848	Upgrade
Other Real Estate Owned & Foreclosed	-	4.55	0.04	0.05	-	4.3	Upgrade
Other Long-Term Assets	6,236	315.62	2,348	566.87	667.32	1,098	Upgrade
Total Assets	290,926	276,652	257,517	243,017	229,311	209,476	Upgrade
Accrued Expenses	1,087	962.85	807.29	793.81	515.74	843.14	Upgrade
Interest Bearing Deposits	75,065	68,189	59,631	26,613	27,561	56,105	Upgrade
Non-Interest Bearing Deposits	144,882	142,917	137,833	158,783	144,019	98,656	Upgrade
Total Deposits	219,947	211,106	197,464	185,396	171,579	154,761	Upgrade
Short-Term Borrowings	11,499	9,449	11,695	8,285	7,748	3,511	Upgrade
Current Portion of Long-Term Debt	482.12	1,108	520.56	896.28	3,017	16.59	Upgrade
Current Portion of Leases	-	157.57	147.8	147.47	192.65	209.15	Upgrade
Current Income Taxes Payable	445.24	1,175	80.75	-	79.05	343.76	Upgrade
Other Current Liabilities	2,446	2,125	1,351	744.37	616.28	604.74	Upgrade
Long-Term Debt	16,675	12,853	14,204	16,518	13,940	19,994	Upgrade
Long-Term Leases	521.92	366.1	456.36	482.38	563.82	638.9	Upgrade
Long-Term Unearned Revenue	212.89	203.65	187.58	194.58	243.74	278.81	Upgrade
Pension & Post-Retirement Benefits	65.99	63.55	44.7	42.73	48.27	44.64	Upgrade
Long-Term Deferred Tax Liabilities	0.52	0.44	0.28	-	-	-	Upgrade
Other Long-Term Liabilities	3,616	3,391	2,093	2,304	2,110	1,251	Upgrade
Total Liabilities	256,999	242,961	229,052	215,804	200,653	182,497	Upgrade
Common Stock	1,022	1,022	1,022	1,022	1,022	1,021	Upgrade
Additional Paid-In Capital	-	7,982	7,982	7,982	7,982	7,982	Upgrade
Retained Earnings	6,399	23,715	21,103	18,540	16,808	15,769	Upgrade
Comprehensive Income & Other	24,581	-956.13	-3,439	-2,012	1,183	659.83	Upgrade
Total Common Equity	32,001	31,763	26,668	25,532	26,995	25,432	Upgrade
Minority Interest	1,926	1,928	1,797	1,682	1,663	1,548	Upgrade
Shareholders' Equity	33,927	33,691	28,465	27,214	28,658	26,980	Upgrade
Total Liabilities & Equity	290,926	276,652	257,517	243,017	229,311	209,476	Upgrade
Total Debt	29,178	23,933	27,023	26,329	25,461	24,369	Upgrade
Net Cash (Debt)	-6,891	8,310	1,450	-12,029	-12,616	-14,185	Upgrade
Net Cash Growth	-	473.15%	-	-	-	-	Upgrade
Net Cash Per Share	-67.44	81.32	14.19	-117.72	-123.43	-138.79	Upgrade
Filing Date Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.09	Upgrade
Total Common Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.09	Upgrade
Book Value Per Share	313.16	310.82	260.97	249.85	264.16	249.12	Upgrade
Tangible Book Value	29,395	29,169	24,215	23,127	24,574	22,948	Upgrade
Tangible Book Value Per Share	287.65	285.44	236.96	226.31	240.48	224.78	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.