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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Erste Bank Polska
Erste Bank Polska (SPL) investor relations material
Erste Bank Polska Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M total income rose 0.9% YoY to PLN 12.113bn; attributable profit was PLN 3.691bn, down 24.5% on the continuing-operations comparison, amid higher costs and bank taxes.
Gross loans grew 11% YoY to PLN 183bn, deposits rose 14% to PLN 252bn and total customer funds increased 15% to PLN 287bn.
Q3 net profit rose 27% QoQ to PLN 1.5bn; capital and liquidity remained strong, with TCR of 18.75% and LCR of 187.3%.
Financial highlights
9M net interest income was PLN 9,467.5m, down 0.9% YoY; net fee and commission income was PLN 2,182.5m, down 0.6%.
9M total income reached PLN 12,113.2m, up 0.9%; other income rose 76.5% to PLN 463.2m, led by trading and revaluation gains.
PBT was PLN 6,024.1m, down 6.4%; attributable profit was PLN 3,691.1m, down 24.5% on a continuing-operations comparison. Q3 net profit rose 27% QoQ to PLN 1.5bn.
Total costs rose 21.3% to PLN 4,375.3m; integration and rebranding costs were PLN 384.3m and BFG contributions PLN 435.9m. Underlying costs excluding these items rose 8.6%.
Net expected credit-loss allowances declined 16.5% to PLN 367.1m; Q3 total income was PLN 4.1bn, stable QoQ and up 2% YoY.
Outlook and guidance
2027 loan growth is expected to remain strong, potentially high-single-digit or double-digit, focused on individual customers, consumer lending and SMEs.
Cost of risk guidance for coming quarters and 2027 is 30–40 bps, conditional on a positive macroeconomic outlook; 2027 costs are expected to rise below inflation.
Next-quarter results may be affected by geopolitical developments, energy prices, inflation, NBP rate decisions, Poland’s fiscal position and external euro-area demand.
A 1% rate decrease would reduce NII by PLN 300m over four quarters; slightly longer investment-book duration is intended to stabilize margins.
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Latest events from Erste Bank Polska
- Net profit rose 73% as income grew 29%, supporting an ambitious 2024–2026 strategy.SPL
Q4 2023 - Net profit for H1 2026 was PLN 2.2bn, down 29% YoY, but capital and dividend payout remain strong.SPLQ2 2026
- Profit fell 39% YoY on higher costs, but capital, liquidity, and digital growth stayed strong.SPLQ1 2026
- Net profit up 29% YoY to PLN 6.76bn, with strong digital growth and robust capital ratios.SPLQ4 2025
- Net profit for H1 2025 rose 25% to PLN 3.1bn, with major transactions and digital growth.SPLQ2 2025
- Net profit up 12% YoY to PLN 4.3bn, with strong loan and digital customer growth.SPLQ3 2024
- Net profit up 10% YoY to PLN 2.4bn, strong growth, but CHF loan legal risks remain high.SPLQ2 2024
- Q1 2025 profit up 10.8%–11% YoY, with strong growth in loans, deposits, and capital ratios.SPLQ1 2025
- Net profit up 8% in 2024, with strong growth and stable capital despite legal risks.SPLQ4 2024
Next Erste Bank Polska earnings date
Q4 20264 Feb, 2027
Erste Bank Polska
Next Erste Bank Polska earnings date
Q4 20264 Feb, 2027
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Frequently asked questions
An Important Player in Polish Banking
Santander Polska, formerly known as Bank Zachodni WBK, is a prominent banking institution in Poland. The bank's history dates back to 1857, but it was only in 2011 that it became part of the global Santander Group. Today, it offers a full range of financial products and services typically offered by larger banks, including retail banking, business banking, and asset management. Even if the Polish division of the Spanish bank is owned by the larger global corporation, Santander Polska is traded on the Warsaw Stock Exchange.
History and Santander Acquisition
Santander Polska came to be as the result of mergers of traditional Polish banks, as well as a subsequent acquisition by the Spanish banking group Santander. Bank Zachodni and Wielkopolski Bank Kredytowy (WBK) were two separate banks established in 1857 and 1919 respectively. The two banks merged in 2001, forming Bank Zachodni WBK. This joint entity continued operations until 2011, when Banco Santander, a Spanish banking group, acquired a controlling stake. The bank was subsequently renamed Santander Polska to solidify the Santander brand in Poland. When looking at competitors we find names such as PKO Bank Polski, as well as the Polish arms of European giants BNP Paribas and ING.
Retail and Business Banking
Santander Polska serves millions of customers across Poland through its extensive branch network and digital platforms. It provides a diverse range of retail banking products including current accounts, savings accounts, credit cards, mortgages, and personal loans. Additionally, it offers investment products such as mutual funds and term deposits. For businesses, Santander Polska delivers various financial solutions including business loans, cash management, trade financing, and leasing services. These services are designed to support businesses of all sizes, from small and medium enterprises to large corporations.
Asset Management and Insurance
Beyond banking, Santander Polska also operates in the asset management and insurance sectors. Santander Polska Towarzystwo Funduszy Inwestycyjnych (TFI) is the bank's asset management subsidiary, providing investment funds for customers seeking to grow their wealth. On the insurance front, the bank collaborates with Santander Insurance to offer a range of insurance products. These include life insurance, non-life insurance, and various types of coverage for retail and business customers.