Santander Bank Polska Ratios and Metrics

Market cap in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Nov '25 Nov 7, 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	2015 - 2019
Market Capitalization	51,565	46,762	50,052	26,508	35,613	18,977	Upgrade
Market Cap Growth	8.80%	-6.57%	88.82%	-25.57%	87.67%	-39.53%	Upgrade
Last Close Price	504.60	418.82	412.08	208.31	276.94	146.63	Upgrade
PE Ratio	9.15	8.97	10.36	9.47	32.03	18.30	Upgrade
PS Ratio	3.05	2.91	3.38	2.33	4.49	2.78	Upgrade
PB Ratio	1.46	1.36	1.49	0.93	1.31	0.66	Upgrade
P/FCF Ratio	5.44	-	-	-	-	6.29	Upgrade
P/OCF Ratio	5.14	-	-	-	-	5.57	Upgrade
Debt / Equity Ratio	0.54	0.81	0.71	0.95	0.97	0.89	Upgrade
Debt / FCF Ratio	2.20	-	-	-	-	8.44	Upgrade
Return on Equity (ROE)	16.48%	15.40%	15.92%	10.81%	4.48%	4.45%	Upgrade
Return on Assets (ROA)	1.88%	1.80%	1.85%	1.20%	0.53%	0.56%	Upgrade
Earnings Yield	10.77%	11.15%	9.65%	10.56%	3.12%	5.47%	Upgrade
FCF Yield	18.38%	-51.26%	-18.99%	-22.97%	-12.14%	15.90%	Upgrade
Dividend Yield	9.19%	11.07%	16.47%	-	0.97%	-	Upgrade
Payout Ratio	85.32%	87.49%	49.18%	9.78%	-	-	Upgrade
Buyback Yield / Dilution	1.09%	-	-	-	0.02%	-0.01%	Upgrade
Total Shareholder Return	10.30%	11.07%	16.47%	-	0.99%	-0.01%	Upgrade

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