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Investor Relations14 Oct 2025
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Santander Bank Polska (SPL) investor relations material
Santander Bank Polska Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net profit for H1 2025 reached PLN 3.1bn, up 25% year-over-year, with gross profit at PLN 4.1bn and total income up 8% to PLN 8bn, driven by higher net interest and fee income.
Sale of controlling stake in Santander Consumer Bank (SCB) to Santander/Erste Group is pending regulatory approval and expected to close by year-end, impacting financial reporting and group structure.
Cost-to-income ratio improved to 30.9% in H1 2025 from 31.0% in H1 2024.
Customer funds rose to PLN 247bn, with deposits up 10% and investment funds up 20% year-over-year.
Digital and mobile customer activity continued to grow, with digital customers up 6% and mobile customers up 9% year-over-year.
Financial highlights
Net interest income for H1 2025 was PLN 6.4bn, up 7% year-over-year; net fee and commission income reached PLN 1.5bn, up 6% year-over-year.
Operating expenses increased by 10% year-over-year, mainly due to higher regulatory costs; excluding these, costs rose 7%.
Cost of credit risk decreased to 0.33% in H1 2025 from 0.45% in H1 2024; NPL ratio improved to 3.9%.
Earnings per share from continuing operations increased to PLN 30.13 (diluted) from PLN 24.01 year-over-year.
Dividend per share for 2024 was PLN 46.37, paid in May 2025.
Outlook and guidance
Management expects continued economic recovery in Poland, with GDP growth forecast at 3.4% in 2025 and 3.3% in 2026, supporting loan and deposit growth.
Strong capital and liquidity positions maintained, with all regulatory requirements met and a surplus of eligible instruments.
Continued focus on digital transformation, customer acquisition, and responsible banking commitments.
Anticipate further monetary easing and lower interest rates, supporting lending activity.
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Next Santander Bank Polska earnings date
Q3 202529 Oct, 2025
Next Santander Bank Polska earnings date
Q3 202529 Oct, 2025
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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.
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