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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	65,156	55,734	46,762	50,052	26,508	35,613
Market Cap Growth	10.73%	19.19%	-6.57%	88.82%	-25.57%	87.67%
Last Close Price	637.60	545.40	418.82	412.08	208.31	276.94
PE Ratio	10.43	8.60	8.97	10.36	9.47	32.03
PS Ratio	4.22	3.61	2.91	3.38	2.33	4.49
PB Ratio	1.84	1.57	1.36	1.49	0.93	1.31
Debt / Equity Ratio	0.89	0.89	0.81	0.71	0.95	0.97
Net Debt / Equity Ratio	-0.58	-0.58	-0.06	-0.25	-0.05	0.44
Net Debt / FCF Ratio	6.97	6.97	0.09	0.87	0.24	-2.78
Return on Equity (ROE)	18.68%	18.68%	15.40%	15.92%	10.81%	4.48%
Return on Assets (ROA)	2.13%	2.13%	1.80%	1.85%	1.20%	0.53%
Earnings Yield	9.94%	11.63%	11.15%	9.65%	10.56%	3.12%
FCF Yield	-4.53%	-5.30%	-51.26%	-18.99%	-22.97%	-12.14%
Dividend Yield	7.18%	-	11.07%	16.47%	-	0.97%
Payout Ratio	73.14%	73.14%	87.49%	49.18%	9.78%	-
Buyback Yield / Dilution	-	0.00%	-	-	-	0.02%
Total Shareholder Return	7.18%	-	11.07%	16.47%	-	0.99%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.