Below are the financial statements of Santander Bank Polska, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of PLN | 2024 2024-01-01 - 2024-12-31 | 2023 2023-01-01 - 2023-12-31 |
|---|---|---|
| Interest income and income similar to interest | 19,127.39a | 18,409.76a |
| Interest income on financial assets measured at amortised cost | 16,005.67a | 14,925.2a |
| Interest income on financial assets measured at fair value through other comprehensive income | 2,004.32a | 2,472.07a |
| Income similar to interest on financial assets measured at fair value through profit or loss | 68.3a | 82.91a |
| Income similar to interest on finance leases | 1,049.09a | 929.58a |
| Interest expense | -5,254.17a | -5,293.86a |
| Net interest income | 13,873.22a | 13,115.9a |
| Fee and commission income | 3,589a | 3,331.56a |
| Fee and commission expense | -679.53a | -614.56a |
| Net fee and commission income | 2,909.46a | 2,717a |
| Dividend income | 15.81a | 11.47a |
| Net trading income and revaluation | 192.56a | 306.62a |
| Gains (losses) from other financial securities | 25.76a | -5.12a |
| Gain/loss on derecognition of financial instruments measured at amortised cost | -70.18a | -322.49a |
| Other operating income | 185.04a | 168.9a |
| Allowances for expected credit losses | -983.39a | -1,149.38a |
| Cost of legal risk associated with foreign currency mortgage loans | -3,101.33a | -2,592.33a |
| Operating expenses incl.: | -5,065.03a | -4,715a |
| Staff, operating expenses and management costs | -4,237.71a | -3,934.82a |
| Amortisation of property, plant and equipment and intangible assets | -472.57a | -424.56a |
| Amortisation of right of use assets | -141.63a | -144.92a |
| Other operating expenses | -213.12a | -210.69a |
| Share in net profits (loss) of entities accounted for by the equity method | 102.3a | 96.94a |
| Tax on financial institutions | -818.56a | -782.5a |
| Profit before tax | 7,265.66a | 6,850.02a |
| Corporate income tax | -2,020.86a | -1,902.19a |
| Consolidated profit for the period | 5,244.8a | 4,947.83a |
| Of which: attributable to owners of the parent entity | 5,212.73a | 4,831.11a |
| Of which: attributable to non-controlling interests | 32.07a | 116.72a |
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