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Santander Bank Polska
Santander Bank Polska (SPL) investor relations material
Santander Bank Polska Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Net profit for 2025 reached PLN 6.7648 billion, up 29% year-over-year, with profit attributable to owners at PLN 6.4788 billion, a 24.3% increase; gross profit was PLN 8.3 billion, up 14% year-over-year.
Sale of Santander Consumer Bank S.A. finalized, with discontinued operations contributing a net profit of PLN 231.7 million and deconsolidation positively impacting capital ratios.
Entry of Erste Group into Poland signals strong economic fundamentals and growth prospects, with rebranding to Erste Bank Polska approved and KRS registration planned for Q2 2026.
Customer base expanded to 6 million, including 3.9 million digital customers.
Focus remains on customer service, digitalization, and leveraging international experience, especially in corporate, SME, and wealth segments.
Financial highlights
Total income from continuing operations increased by 4.5% year-over-year to PLN 16.0217 billion; Q4 total income was PLN 4 billion.
Net interest income rose 3.5% year-over-year to PLN 12.7028 billion; net fee and commission income grew 5.9% to PLN 2.9485 billion.
Operating expenses increased 9.1% year-over-year to PLN 4.8572 billion, mainly due to higher regulatory costs; cost-to-income ratio at 30.3%.
Customer deposits at PLN 230.1426 billion; total assets at PLN 380 billion.
Earnings per share reached PLN 63.4.
Outlook and guidance
Strategy for 2026 includes focus on profitable growth in SME, wealth, and corporate segments, leveraging Erste Group expertise.
Dividend payout potential up to 75% of profit, pending regulatory approval; capital surplus exceeds PLN 9 billion.
Loan growth expected in investment, automation, and digitization, especially for SMEs and corporates.
Cost discipline to maintain cost-to-income ratio around 30%; total cost growth to align with CPI.
Rebranding costs in 2026 are estimated at PLN 250 million before tax.
Quantify 2026 integration costs beyond rebranding
How to ensure profitable loan growth in 2026
When will 2026 dividend payout be confirmed?
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Next Santander Bank Polska earnings date
Q1 202630 Apr, 2026
Santander Bank Polska
Next Santander Bank Polska earnings date
Q1 202630 Apr, 2026
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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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