Santander Bank Polska S.A.

Santander Bank Polska S.A. Earnings Recaps

SPL.WA Financial Services 1 recap
Q3 2025 Oct 29, 2025

The company achieved strong financial results in Q3 2025, with a net profit of PLN 4.89 billion and total income growth of 6% year-on-year, supported by robust loan issuance and digital banking advancements.

Key takeaways
  • Net interest income increased 5% year-on-year to PLN 9.55 billion, with a NIM of 4.88%.
  • Record-breaking cash loan issuances reached PLN 3.3 billion in Q3, marking a 9% increase year-on-year.
  • Client deposits and investment funds rose to PLN 249 billion, despite a slight decline in individual deposits.
  • Return on equity remained strong at 21.6%, with a loan loss provision balance significantly lower than the previous year.
  • Regulatory and tax levies accounted for PLN 730 million in Q3, totaling PLN 2.5 billion year-to-date.
Full recap