Erste Bank Polska SA (LTS:0DVR)

Half Year 2025 Santander Bank Polska SA Earnings Call Transcript

Jul 30, 2025 / 10:59 AM GMT

Release Date Price: zł395.55

Transcript

Key Points

Positve

Santander Bank Polska SA (BKZHY) reported a strong net profit of 3.1 billion PLN from continued operations in the first half of 2025.
The bank's net interest income increased by 7% year on year, reaching 6.35 billion PLN.
Digital customer growth was significant, with a 6% increase year on year, and mobile app users grew by more than 10%.
The bank maintains a strong capital position with a return on equity for continued operations at 21.9%.
Santander Bank Polska SA (BKZHY) achieved record-breaking cash loan sales in Q2, issuing 3.1 billion PLN.

Negative

The sale of Santander Consumer Bank resulted in a loss of 378 million PLN from discontinued operations.
The bank faces high regulatory and tax charges, totaling 1.8 billion PLN in the first half of the year.
There is uncertainty regarding potential additional bank taxes in Poland, which could impact profitability.
The bank's mortgage sales have decreased compared to the previous year, despite a quarterly rebound.
The risk-weighted assets increased, impacting the bank's capital ratios slightly.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SPL1.WA - Santander Bank Polska SA
Half Year 2025 Santander Bank Polska SA Earnings Call
Jul 30, 2025 / NTS GMT

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Presentation
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Unidentified_1 [1]
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Hi ladies and gentlemen, my name is Ayka Dovka.

Welcome to the presentation of financial results of Santan Santander Bank World Cup in the first half of 2025.

I'm here with the CEO Mihaaevski, CFO Magic.

Mattie Luga and Bokkowski, Financial Controller.

Before we start, let me remind you that throughout the course of this conference you can And out questions using the link online or you can send them directly to my email box. The presentation is available on the website of investor relations at Santander Bank Oka.

Thank you, Agnieska.

Ladies and gentlemen, welcome to the presentation.

To begin, I'll address 2 transactions from the last quarter. I'll start

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