1. Poland Stocks

  2. •

    Finance

  3. •

    Regional banks
Erste Bank Polska S.A.

Erste Bank Polska S.A.

757.60
PLN
-25.00
(-3.19%)
65.87BMarket Cap
Oct 30Next Earn
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
- -
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
- -
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
- -
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
148.29
166.58
195.42
199.33
220.54
245.18
249.12
264.16
249.85
260.97
310.82
318.31
346.67
315.08
Tangible Book Value per Share
115.7
135.87
173.71
177.41
198.37
220.39
224.78
240.48
226.31
236.96
285.44
291.96
320.48
288.57
Basic Weighted Avg Shares
93
96
99
99
99
100
102
102
102
102
102
102
102
102
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
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
219
308
257
277
319
333
628
594
579
524
569
614
599
- -
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
- -
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
- -
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
- -
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
14,033
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
32,253
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
13.3
7.94
7.67
6.27
5.49
4.97
3.94
1.73
2.01
5.63
10.45
10.54
11.71
- -
Return on Common Equity (%)
17.42
12.6
12.96
11.06
10.62
10.07
8.47
3.96
4.23
10.72
16.54
16.22
19.07
- -

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
102
102
102
Market Capitalization
55,734
59,576
65,871

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
22,090
16,394
20,104
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

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

PLN

•

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
4,054
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.31
7.2
18.98
8.94
51.01
2025
16.96
9.96
- -
17.99
63.4
2026
10.06
11.48
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Michal Gajewski
Full Time Employees
10,103
Sector
Finance
Industry
Regional banks
Address
Pl. Europejskie 3A Warsaw Poland 00-844
IPO Date
Jun 13, 2001
Website
erste.pl
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Business
Santander Bank Polska S.A. operates as a full‑service retail and commercial bank in Poland, providing a broad spectrum of financial products and services to individual, SME, and corporate customers, with a primary focus on deposit taking, lending, payment services, and wealth management. The company engages in retail banking, corporate and SME banking, transaction banking, and investment banking activities, including consumer loans, mortgages, credit cards, deposits, cash management, trade finance, and advisory services, delivered through an extensive branch network and digital platforms. It also participates in consumer finance through related entities within the Santander Group and integrates cross‑border banking capabilities within the Group’s European network. Santander Bank Polska S.A. maintains its headquarters in Warsaw and operates across Poland, leveraging nationwide coverage to support local economies and cross‑regional client needs. The bank traces its founding to the broader Santander Group’s European bank footprint and continues to execute strategies aligned with Santander’s regional and global capital allocation, aiming to balance growth with prudent risk management. In 2024 the bank reported significant activity in deposits and lending, supported by a diversified product mix and a widespread distribution network, underscoring its role as a key intermediary for Polish households and businesses. The company is interconnected with its parent group’s broader financial services ecosystem, including Santander Consumer Bank and other Santander Group holdings in Poland, which together expand the group’s consumer, insurance, asset management, and specialist finance offerings in the region. Santander Bank Polska S.A. maintains regulatory compliance and governance practices consistent with its status as a major Polish financial institution, with ongoing initiatives to enhance digital capabilities, customer experience, and efficiency while pursuing selective acquisitions or strategic partnerships aligned with its growth plan in Poland and the Group’s strategic priorities.