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	2015 - 2019
Period Ending	Mar '25 Mar 31, 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
Cash & Equivalents	22,589	7,222	9,052	7,216	9,663	9,361	Upgrade
Investment Securities	81,554	84,011	74,921	64,182	66,254	63,076	Upgrade
Trading Asset Securities	10,518	10,749	10,514	7,433	4,183	3,190	Upgrade
Total Investments	92,072	94,760	85,435	71,615	70,438	66,266	Upgrade
Gross Loans	185,239	191,088	176,383	169,210	155,644	151,829	Upgrade
Allowance for Loan Losses	-5,590	-5,569	-5,692	-5,884	-5,860	-6,327	Upgrade
Other Adjustments to Gross Loans	-	-1,929	-1,637	-1,240	-702.26	-575.98	Upgrade
Net Loans	179,649	183,589	169,054	162,086	149,082	144,925	Upgrade
Property, Plant & Equipment	1,254	1,284	1,260	1,186	1,250	1,514	Upgrade
Goodwill	1,712	1,712	1,712	1,712	1,712	1,712	Upgrade
Other Intangible Assets	947.32	979.81	881.86	740.76	692.8	708.36	Upgrade
Other Receivables	-	2,446	1,236	999.23	1,182	719.87	Upgrade
Restricted Cash	7,352	9,349	5,612	6,853	5,773	1,128	Upgrade
Other Current Assets	0.45	377.99	337.67	276.3	274.22	312.66	Upgrade
Long-Term Deferred Tax Assets	1,205	1,414	1,751	2,486	2,384	1,997	Upgrade
Other Real Estate Owned & Foreclosed	-	0.01	4.55	0.04	0.05	-	Upgrade
Other Long-Term Assets	6,936	1,240	315.62	2,348	566.87	667.32	Upgrade
Total Assets	313,717	304,374	276,652	257,517	243,017	229,311	Upgrade
Accrued Expenses	921.76	988.57	962.85	807.29	793.81	515.74	Upgrade
Interest Bearing Deposits	83,370	77,152	68,189	59,631	26,613	27,561	Upgrade
Non-Interest Bearing Deposits	155,332	156,733	142,917	137,833	158,783	144,019	Upgrade
Total Deposits	238,702	233,885	211,106	197,464	185,396	171,579	Upgrade
Short-Term Borrowings	12,647	10,012	9,148	11,695	8,285	7,748	Upgrade
Current Portion of Long-Term Debt	49.53	2,423	839.53	520.56	896.28	3,017	Upgrade
Current Portion of Leases	-	151.01	157.57	147.8	147.47	192.65	Upgrade
Current Income Taxes Payable	143.55	741.3	1,175	80.75	-	79.05	Upgrade
Other Current Liabilities	1,650	2,359	2,125	1,351	744.37	616.28	Upgrade
Long-Term Debt	17,406	14,949	13,422	14,204	16,518	13,940	Upgrade
Long-Term Leases	479.18	386.78	366.1	456.36	482.38	563.82	Upgrade
Long-Term Unearned Revenue	226.07	219.02	203.65	187.58	194.58	243.74	Upgrade
Pension & Post-Retirement Benefits	70.91	69.99	63.55	44.7	42.73	48.27	Upgrade
Long-Term Deferred Tax Liabilities	0.81	0.69	0.44	0.28	-	-	Upgrade
Other Long-Term Liabilities	4,860	3,746	3,391	2,093	2,304	2,110	Upgrade
Total Liabilities	277,157	269,933	242,961	229,052	215,804	200,653	Upgrade
Common Stock	1,022	1,022	1,022	1,022	1,022	1,022	Upgrade
Additional Paid-In Capital	-	7,982	7,982	7,982	7,982	7,982	Upgrade
Retained Earnings	8,950	24,400	23,715	21,103	18,540	16,808	Upgrade
Comprehensive Income & Other	24,607	-876.09	-956.13	-3,439	-2,012	1,183	Upgrade
Total Common Equity	34,579	32,527	31,763	26,668	25,532	26,995	Upgrade
Minority Interest	1,980	1,914	1,928	1,797	1,682	1,663	Upgrade
Shareholders' Equity	36,560	34,441	33,691	28,465	27,214	28,658	Upgrade
Total Liabilities & Equity	313,717	304,374	276,652	257,517	243,017	229,311	Upgrade
Total Debt	30,581	27,922	23,933	27,023	26,329	25,461	Upgrade
Net Cash (Debt)	6,189	2,176	8,310	1,450	-12,029	-12,616	Upgrade
Net Cash Growth	-	-73.82%	473.15%	-	-	-	Upgrade
Net Cash Per Share	60.56	21.29	81.32	14.19	-117.72	-123.43	Upgrade
Filing Date Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.19	Upgrade
Total Common Shares Outstanding	102.19	102.19	102.19	102.19	102.19	102.19	Upgrade
Book Value Per Share	338.38	318.31	310.82	260.97	249.85	264.16	Upgrade
Tangible Book Value	31,920	29,836	29,169	24,215	23,127	24,574	Upgrade
Tangible Book Value Per Share	312.36	291.96	285.44	236.96	226.31	240.48	Upgrade

Updated Feb 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.