-0.43%
10.00%
9.98%
1.00%
2.34%
39.94%
73.04%
AI Spotlight on SPL
Company Description
Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions.It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions.The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services.
In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services.Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services.Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions.
Furthermore, it offers debt and rating advisory and capital market and debt capital services.As of 31 December 2021,the company operates 383 branches.The company was founded in 1857 and is headquartered in Warsaw, Poland.
Santander Bank Polska S.A. is a subsidiary of Banco Santander S.A.
Market Data
| Last Price | 507 |
| Change Percentage | -0.43% |
| Open | 509.2 |
| Previous Close | 509.2 |
| Market Cap ( Millions) | 51810 |
| Volume | 52300 |
| Year High | 590 |
| Year Low | 423.8 |
| M A 50 | 468.36 |
| M A 200 | 496.55 |
Financial Ratios
| FCF Yield | 9.55% |
| Dividend Yield | 8.80% |
| ROE | 16.74% |
| Debt / Equity | 74.59% |
| Net Debt / EBIDTA | 0.00% |
| Price To Book | 1.62 |
| Price Earnings Ratio | 9.81 |
| Price To FCF | 10.48 |
| Price To sales | 2.45 |
| EV / EBITDA | 0 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Banking
Expected Growth : 7.43 %
What the company do ?
Retail Banking from Santander Bank Polska S.A. offers personal banking services, including accounts, credit cards, loans, and investment products to individual customers in Poland.
Why we expect these perspectives ?
Santander Bank Polska S.A.'s 7.43% retail banking growth is driven by increasing demand for digital banking services, strategic partnerships, and expansion into underserved markets. Additionally, the bank's focus on customer experience, competitive pricing, and innovative product offerings have contributed to its growth. Furthermore, the Polish economy's stability and growing middle class have also supported the bank's retail banking segment.
Segment n°2 -> Business and Corporate Banking
Expected Growth : 6.47 %
What the company do ?
Business and Corporate Banking from Santander Bank Polska S.A. offers tailored financial solutions to large corporations, SMEs, and institutions in Poland.
Why we expect these perspectives ?
Santander Bank Polska S.A.'s 6.47% growth in Business and Corporate Banking is driven by a strong focus on digitalization, expansion of cash management services, and tailored solutions for large corporations and SMEs. Additionally, the bank's strategic partnerships and investments in fintech companies have enhanced its capabilities in trade finance, supply chain management, and risk management, attracting new clients and increasing wallet share.
Segment n°3 -> Corporate and Investment Banking
Expected Growth : 7.4 %
What the company do ?
Corporate and Investment Banking from Santander Bank Polska S.A. provides financial solutions to large corporations, institutions, and governments, offering services such as cash management, trade finance, and debt capital markets.
Why we expect these perspectives ?
Santander Bank Polska S.A.'s 7.4% growth in Corporate and Investment Banking is driven by increasing demand for cash management and trade finance services, expansion of transaction banking offerings, and strategic partnerships with Polish corporations. Additionally, growth in debt capital markets and M&A advisory services, as well as a strong pipeline of deals, contribute to the segment's growth.
Segment n°4 -> Santander Consumer
Expected Growth : 7.4 %
What the company do ?
Santander Consumer is a financing arm of Santander Bank Polska S.A., offering consumer loans, credit cards, and other financial services to individuals in Poland.
Why we expect these perspectives ?
Santander Consumer's 7.4% growth is driven by increasing demand for consumer finance, strategic partnerships, and expansion into new markets. Additionally, the segment benefits from Santander Bank Polska's strong brand recognition, efficient risk management, and digitalization efforts, enabling it to capitalize on Poland's growing economy and rising consumer spending.
Segment n°5 -> ALM and Center
Expected Growth : 8.37 %
What the company do ?
ALM (Asset and Liability Management) and Center from Santander Bank Polska S.A. refer to the department responsible for managing the bank's assets, liabilities, and capital to maintain financial stability and optimize profitability.
Why we expect these perspectives ?
Santander Bank Polska S.A.'s ALM and Center segment growth of 8.37% is driven by effective asset liability management, optimized interest rate risk, and a strong focus on cost control. Additionally, the center's efficient operations, robust risk management, and strategic investments in digital transformation have contributed to this growth.
Santander Bank Polska S.A. Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | A type of deposit account that allows customers to manage their daily finances, make transactions, and access their money easily. |
| Savings Accounts | A type of deposit account that allows customers to save money and earn interest, while still having access to their funds. |
| Credit Cards | A type of loan that allows customers to borrow money to make purchases, pay bills, or get cash advances. |
| Personal Loans | A type of loan that allows customers to borrow money for various purposes, such as debt consolidation, home improvement, or major purchases. |
| Mortgage Loans | A type of loan that allows customers to borrow money to purchase or refinance a home. |
| Investment Products | A range of investment products, including mutual funds, stocks, bonds, and pension plans. |
| Insurance Products | A range of insurance products, including life insurance, health insurance, and property insurance. |
| Business Banking | A range of financial products and services designed for businesses, including current accounts, loans, and cash management solutions. |
Santander Bank Polska S.A.'s Porter Forces
Threat Of Substitutes
Santander Bank Polska S.A. operates in a highly competitive market, but the threat of substitutes is moderate due to the complexity of banking services and the need for regulatory compliance.
Bargaining Power Of Customers
Santander Bank Polska S.A. has a large customer base, but customers have significant bargaining power due to the ease of switching banks and the availability of alternative financial services.
Bargaining Power Of Suppliers
Santander Bank Polska S.A. has a diversified supplier base, and suppliers have limited bargaining power due to the bank's large scale of operations and negotiating power.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory requirements and capital requirements, making it difficult for new entrants to enter the market.
Intensity Of Rivalry
Santander Bank Polska S.A. operates in a highly competitive market with many established players, leading to intense rivalry and competition for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 34.00% |
| Debt Cost | 8.60% |
| Equity Weight | 66.00% |
| Equity Cost | 8.60% |
| WACC | 8.60% |
| Leverage | 51.52% |
Santander Bank Polska S.A. : Quality Control
Santander Bank Polska S.A. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany. Its Retail segment offers current and savings accounts, term deposits, … |
| RBI.VI | Raiffeisen Bank International AG, together with its subsidiaries, engages in the provision of corporate, retail, and investment banking services. The company offers cross border accounts, cash management, electronic banking, payments … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| BHW.WA | Bank Handlowy w Warszawie S.A. provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates through two segments, Institutional Bank and Consumer … |
| BAMI.MI | Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
A-Score
1-Year Total Return ->
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Bank Handlowy
A-Score
1-Year Total Return ->
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Banco BPM
A-Score
1-Year Total Return ->
4
PKO Bank Polski
A-Score
1-Year Total Return ->
5
Santander Bank Polska
A-Score
1-Year Total Return ->
6
