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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	4,745	7,222	9,052	7,216	9,663	9,361
Investment Securities	84,566	84,011	74,921	64,182	66,254	63,076
Trading Asset Securities	15,094	10,749	10,514	7,433	4,183	3,190
Total Investments	99,660	94,760	85,435	71,615	70,438	66,266
Gross Loans	166,548	191,088	176,383	169,210	155,644	151,829
Allowance for Loan Losses	-4,220	-5,569	-5,692	-5,884	-5,860	-6,327
Other Adjustments to Gross Loans	-	-1,929	-1,637	-1,240	-702.26	-575.98
Net Loans	162,328	183,589	169,054	162,086	149,082	144,925
Property, Plant & Equipment	1,226	1,284	1,260	1,186	1,250	1,514
Goodwill	1,689	1,712	1,712	1,712	1,712	1,712
Other Intangible Assets	852.47	979.81	881.86	740.76	692.8	708.36
Other Receivables	-	2,446	1,236	999.23	1,182	719.87
Restricted Cash	13,669	9,349	5,612	6,853	5,773	1,128
Other Current Assets	27,992	377.99	337.67	276.3	274.22	312.66
Long-Term Deferred Tax Assets	136.82	1,414	1,751	2,486	2,384	1,997
Other Real Estate Owned & Foreclosed	-	0.01	4.55	0.04	0.05	-
Other Long-Term Assets	5,151	1,240	315.62	2,348	566.87	667.32
Total Assets	317,449	304,374	276,652	257,517	243,017	229,311
Accrued Expenses	623.54	988.57	962.85	807.29	793.81	515.74
Interest Bearing Deposits	65,589	77,152	68,189	59,631	26,613	27,561
Non-Interest Bearing Deposits	157,613	156,733	142,917	137,833	158,783	144,019
Total Deposits	223,202	233,885	211,106	197,464	185,396	171,579
Short-Term Borrowings	12,571	10,012	9,148	11,695	8,285	7,748
Current Portion of Long-Term Debt	3,120	2,423	839.53	520.56	896.28	3,017
Current Portion of Leases	-	151.01	157.57	147.8	147.47	192.65
Current Income Taxes Payable	382.35	741.3	1,175	80.75	-	79.05
Other Current Liabilities	25,543	2,359	2,125	1,351	744.37	616.28
Long-Term Debt	11,254	14,949	13,422	14,204	16,518	13,940
Long-Term Leases	488.79	386.78	366.1	456.36	482.38	563.82
Long-Term Unearned Revenue	157.35	219.02	203.65	187.58	194.58	243.74
Pension & Post-Retirement Benefits	407.19	69.99	63.55	44.7	42.73	48.27
Long-Term Deferred Tax Liabilities	0.26	0.69	0.44	0.28	-	-
Other Long-Term Liabilities	4,339	3,746	3,391	2,093	2,304	2,110
Total Liabilities	282,087	269,933	242,961	229,052	215,804	200,653
Common Stock	1,022	1,022	1,022	1,022	1,022	1,022
Additional Paid-In Capital	-	7,982	7,982	7,982	7,982	7,982
Retained Earnings	7,764	24,400	23,715	21,103	18,540	16,808
Comprehensive Income & Other	24,515	-876.09	-956.13	-3,439	-2,012	1,183
Total Common Equity	33,300	32,527	31,763	26,668	25,532	26,995
Minority Interest	2,061	1,914	1,928	1,797	1,682	1,663
Shareholders' Equity	35,361	34,441	33,691	28,465	27,214	28,658
Total Liabilities & Equity	317,449	304,374	276,652	257,517	243,017	229,311
Total Debt	27,434	27,922	23,933	27,023	26,329	25,461
Net Cash (Debt)	3,307	2,176	8,310	1,450	-12,029	-12,616
Net Cash Growth	-	-73.82%	473.15%	-	-	-
Net Cash Per Share	32.36	21.29	81.32	14.19	-117.72	-123.43
Filing Date Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.19
Total Common Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.19
Book Value Per Share	325.87	318.31	310.82	260.97	249.85	264.16
Tangible Book Value	30,759	29,836	29,169	24,215	23,127	24,574
Tangible Book Value Per Share	301.00	291.96	285.44	236.96	226.31	240.48

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.