Santander Bank Polska S.A./zł SPL
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Santander Bank Polska S.A.
Santander Bank Polska S.A. operates as a major financial institution in Poland, providing a comprehensive range of banking services. It offers retail banking, which includes savings and checking accounts, credit cards, and mortgage products, as well as corporate and investment banking services tailored for business clients. The bank was previously known as Bank Zachodni WBK and changed its name following its acquisition by the Santander Group, a global financial services leader based in Spain. Headquartered in Warsaw, Santander Bank Polska benefits from a significant local presence while leveraging the technological and operational capabilities of its parent group. This strategic integration enhances its competitive strength in the Polish market by offering innovative financial solutions and stability.
- Ticker
- zł SPL
- Sector
- Finance
- Primary listing
- WSE
- Employees
- 10,231
- Headquarters
- Warsaw, Poland
- Website
- www.erste.pl
SPL Metrics
BasicAdvanced
zł 79B
10.76
zł 58.01
0.25
zł 49.98
8.01%
Price and volume
Market cap
zł 79B
Beta
0.25
52-week high
zł 817.60
52-week low
zł 476.50
Average daily volume
79K
Dividend rate
zł 49.98
Financial strength
Dividend payout ratio (TTM)
86.16%
Profitability
Net profit margin (TTM)
38.33%
Operating margin (TTM)
59.63%
Effective tax rate (TTM)
27.94%
Revenue per employee (TTM)
zł 1,510,000
Management effectiveness
Return on assets (TTM)
1.78%
Return on equity (TTM)
17.32%
Valuation
Price to earnings (TTM)
10.757
Price to revenue (TTM)
4.122
Price to book
2.46
Price to tangible book (TTM)
2.69
Price to free cash flow (TTM)
-2.839
Free cash flow yield (TTM)
-35.22%
Free cash flow per share (TTM)
-219.763
Dividend yield (TTM)
8.01%
Forward dividend yield
8.01%
Growth
Revenue change (TTM)
-8.34%
Earnings per share change (TTM)
5.18%
3-year revenue growth (CAGR)
8.37%
3-year earnings per share growth (CAGR)
19.15%
10-year earnings per share growth (CAGR)
11.01%
10-year dividend per share growth (CAGR)
14.42%
What the Analysts think about SPL
Analyst ratings (Buy, Hold, Sell) for Santander Bank Polska S.A. stock.
Analyst projections of the future price of Santander Bank Polska S.A. stock.
Bulls say / Bears say
Second-quarter net profit rose 15% to PLN1.17bn, beating analysts’ expectations as fee income and lower risk costs offset some pressure on interest income. This shows the bank can still grow earnings in a tougher rate environment. (Reuters)
The loan book grew 4.6% in the first half, with business lending up 8%. Continued credit growth could help support income as lower rates weigh on margins. (Reuters)
The bank approved a PLN49.98-per-share dividend from its 2025 results. That provides a substantial cash return to shareholders, although future payouts will depend on earnings and capital needs. (Erste Bank Polska)
Second-quarter net interest income fell 2.4% year on year as Polish rate cuts squeezed margins. Further cuts could make it harder for lending growth to offset that pressure. (Reuters)
Legacy legal exposure remains costly: the bank booked PLN526m for Swiss-franc mortgage disputes in the second quarter and another PLN71m linked to a consumer-loan ruling. Further claims or adverse rulings could keep weighing on profits. (Reuters)
First-quarter operating costs rose 23.3% year on year, while net profit fell 40.7%. Higher bank-guarantee contributions and rebranding and integration costs added to the burden. (WNP)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
SPL Financial Performance
Revenues and expenses
SPL Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing SPL
Fund name | Fund size | zł SPL weighting |
|---|---|---|
SPDR MSCI Emerging Markets$EMRD | $2.3B | 0.08% |
Xtrackers MSCI Emerging Markets$XMME | $15B | 0.07% |
Xtrackers MSCI Emerging Markets£XMMS | $14B | 0.07% |
L&G Global Equity£LGGG | $2B | 0.01% |
L&G Global Equity$LGGL | $2B | 0.01% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.