Erste Bank Polska S.A.

Erste Bank Polska S.A.

BKZHF
Erste Bank Polska S.A.US flagOther OTC
166.92
USD
- -
- -
17.06BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
60.54
67.65
70.22
76.36
77.56
81.97
91.15
84.03
88.45
120.37
156.1
149.78
156.27
119.45
Basic EPS, GAAP
21.24
19.91
23.45
21.84
22.29
23.7
20.95
10.16
10.88
27.39
47.28
51.01
63.4
38.48
Free Cash Flow per Basic Share
0.99
43.77
-31.45
14.78
-53.2
118.44
30.69
200.59
93.6
81
84.31
25.17
97.99
-2.02
Dividend per Share
8.05
12.69
0.17
15.28
6.52
5.16
22.83
0.85
2.9
3.43
23.62
45.09
46.92
- -
Book Value per Share
32.65
34.01
39.6
37.42
43.04
51.13
38.93
37.79
46.07
54.71
68.15
81.43
108.76
119.24
Tangible Book Value per Share
122.5
156.04
185.56
189.89
212.96
241.29
239.94
256.94
242.77
254.55
304.31
310.69
321.26
328.13
Basic Weighted Avg Shares
93
96
99
99
99
100
102
102
102
102
102
102
102
101
Sales/Revenue/Turnover
5,650
6,505
6,968
7,578
7,699
8,175
9,305
8,580
9,038
12,300
15,952
15,306
15,969
12,057
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
219
308
257
277
319
333
628
594
579
524
569
614
599
414
Net Income, GAAP
1,982
1,915
2,327
2,167
2,213
2,363
2,138
1,037
1,112
2,799
4,831
5,213
6,479
3,884
Effective Tax Rate (%)
19.89
22.45
20.25
23.64
24.49
21.23
24.67
34.22
39.14
30.88
27.77
26.18
20.91
26.91
Profit Margin (%)
35.08
29.43
33.4
28.6
28.74
28.91
22.98
12.09
12.3
22.76
30.29
34.06
40.57
32.22
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
4,179
8,160
8,503
12,064
13,031
18,638
20,859
20,069
20,564
15,806
12,299
17,910
17,916
16,853
Total Equity
14,483
18,052
20,568
21,018
23,344
26,595
26,980
28,658
27,214
28,465
33,691
34,441
35,505
35,793
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
74.04
60.62
64.65
56.71
55.42
50.43
47.13
26.48
25.95
54.36
76.96
68.21
66.67
35.3

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
102
102
Market Capitalization
16,709
16,504
62,561

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
22,090
16,394
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.81%
4.65%
3.09%
Free Cash Flow
-29.38%
31.31%
289.38%
Net Income, GAAP
20.48%
52.75%
24.29%
Sales/Revenue/Turnover
9.4%
14.28%
4.33%
Total Cash Common Dividend
1,016.1%
188.98%
4.07%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,146
3,674
3,946
3,958
15,306
2025
3,950
4,051
- -
4,014
15,969
2026
3,992
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.31
7.2
18.98
8.94
51.01
2025
16.96
10.34
- -
17.99
63.4
2026
10.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
45.09
2025
- -
- -
- -
- -
46.92
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Michal Gajewski
Full Time Employees
11,286
Sector
Financial Services
Industry
Banks - Regional
Address
Pl. Europejskie 3A Warsaw MZ Poland 00-854
IPO Date
Jul 5, 2022
Website
erste.pl
Business
Santander Bank Polska S.A. Santander Bank Polska S.A. operates as one of Poland's largest universal banks, providing a comprehensive range of retail, corporate, and investment banking services to individuals, small and medium-sized enterprises, large corporations, local governments, and public sector clients primarily within Poland. The bank offers personal and premium accounts including foreign currency options in EUR, GBP, USD, and CHF; debit, credit, and prepaid payment cards with contactless and mobile payment features; consumer loans, cash loans, home mortgages in PLN and foreign currencies, and installment loans; savings accounts, term deposits, mutual funds, pension schemes, and investment programs; insurance products such as travel, motor, home, payment protection, and loan/credit card coverage; brokerage services; asset and investment fund management through subsidiaries like Santander Towarzystwo Funduszy Inwestycyjnych S.A.; leasing via Santander Leasing S.A.; factoring through Santander Faktor Sp. z o.o.; and bancassurance products in partnership with entities like Santander Allianz Towarzystwo Ubezpieczeń; as well as services for overseas customers including accounts for foreign nationals with Permanent Residence Cards. Formed in 2001 through the merger of Bank Zachodni S.A. and Wielkopolski Bank Kredytowy S.A., with headquarters in Warsaw and additional key operations in Wrocław and Poznań, the bank maintains a network of 349 branches, nearly 1,400 ATMs, and robust electronic channels including mobile and internet banking, serving approximately 7.5 million customers as a subsidiary of Spain's Banco Santander S.A., which holds a majority stake of around 62%. In May 2025, parent company Banco Santander announced the sale of approximately 49% of Santander Bank Polska to Erste Group Bank AG for a cash consideration of PLN 584 per share, alongside a strategic cooperation agreement in corporate and investment banking and payments platforms, with the transaction expected to close by the end of 2025 and result in Santander retaining about 13% ownership while planning to acquire full control of Santander Consumer Bank Polska.

Company News

APIChatGPT
  • Short Interest in Santander Bank Polska S.A. (OTCMKTS:BKZHF) Declines By 26.4%

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  • Santander Bank Polska S.A. (BKZHF) Q4 2025 Earnings Call Transcript

  • Santander Bank Polska S.A. (BKZHF) Q3 2025 Earnings Call Transcript