FINANCIAL HIGHLIGHTS

PLN k

EUR k

 

 

31.12.2025

31.12.2024* represented

31.12.2025

31.12.2024* represented

Consolidated financial statements of Santander Bank Polska Group

I

Net interest income

12 702 826

12 270 414

2 997 929

2 850 800

II

Net fee and commission income

2 948 517

2 784 632

695 864

646 957

III

Profit before tax

8 259 890

7 234 098

1 949 375

1 680 707

IV

Net profit attributable to owners of the parent entity

6 478 814

5 212 731

1 529 032

1 211 080

V

Net profit attributable to owners of the parent entity from continuing operations

6 462 914

5 283 849

1 525 279

1 227 603

VI

Net profit(loss) attributable to owners of the parent entity from discontinued operations

15 900

(71 118)

3 752

(16 523)

VIII

Profit/loss of the period attributable to non-controlling interests

286 031

32 066

67 505

7 450

IX

Total net cash flows

1 501 233

(5 571 687)

354 298

(1 294 477)

X

Earnings per ordinary share in PLN/EUR

63,40

51,01

14,96

11,85

XI

Diluted earnings per ordinary share in PLN/EUR

63,40

51,01

14,96

11,85

XII

Earnings per ordinary share from continuing operations in PLN/EUR

63,24

51,71

14,92

12,01

XIII

Diluted earnings per ordinary share from continuing operations in PLN/EUR

63,24

51,71

14,92

12,01

XIV

Total assets

308 150 077

304 373 920

72 905 595

71 231 903

XV

Deposits from banks

2 847 280

5 148 660

673 641

1 204 929

XVI

Deposits from customers

230 142 564

232 028 762

54 449 704

54 301 138

XVII

Total liabilities

272 644 851

269 932 734

64 505 371

63 171 714

XVIII

Total equity

35 505 226

34 441 186

8 400 224

8 060 189

XIX

Non-controlling interests

79 554

1 913 719

18 822

447 863

XX

Number of shares

102 189 314

102 189 314

 

 

XXI

Net book value per share in PLN/EUR

347,45

337,03

82,20

78,87

XXII

Capital ratio

20,00%

17,99%**

 

 

XXIII

Declared or paid dividend per share in PLN/EUR

46,37***

44,63

10,94

10,37

*Data represented following the separation of the discontinued operations; details are presented in Note 48.

**The data includes profits included in own funds, taking into account the applicable EBA guidelines.

***Detailed information are described in note 56.

The following rates were applied to determine the key EUR amounts for selected financial statements line items:

·        for balance sheet items – average NBP exchange rate as at 31.12.2025: EUR 1 = PLN 4,2267 and as at 31.12.2024: EUR 1 = PLN 4,2730

·        for profit and loss items – as at 31.12.2025 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2025: EUR 1 = 4,2372 PLN; as at 31.12.2024 - the rate is calculated as the average of NBP exchange rates prevailing as at the last day of each month in 2024: EUR 1 = PLN 4,3042

As at 31.12.2025, FX denominated balance sheet positions were converted into PLN in line with the NBP FX table no. 251/A/NBP/2025 dd. 31.12.2025.