Santander Bank Polska S.A. Q3 2025 Earnings Recap

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.