Erste Bank Polska S.a. · GPW:EBP
Erste Bank Polska — Q3 2025 Earnings Presentation
33 slides from Erste Bank Polska's earnings presentation, Oct 29, 2025
Slide 1: Financial results of Santander Bank Polska Group for 1-3Q 2025
Investor Relations Warsaw 29/10/2025 Financial results of Santander Bank Polska Group for 1-3Q 2025
Slide 2: Agenda
Index Agenda Results 1-3Q 2025 1. Our activities and our people 2. Our business development 3. Our customers 4. Our financial results More information 5. Attachments 2
Slide 3: Our activities and our people
Our activities and our people 01
Slide 4: Our communication
01 | Marketing Our communication Digital & Social media initiatives Our social media include 9 profiles on 5 social media platforms (Facebook, At Santander Bank Polska, we have been close to our customers for many Instagram, Tik Tok, YouTube, LinkedIn). They have gathered 500 thousand years. We supp
Slide 5: Our people
01 | Our actions and our people Our people Improving employee experience Corporate culture • Based on the survey into the needs and experiences of employees with the Total ▪ In September, the “Great Place to Work” employee opinion survey was conducted. The Bank Experience (TX) methodology implemente
Slide 6: Our business development
Our business development 02
Slide 7: General operational data
02 | Results for 1-3Q 2025 – Our business development General operational data Key volumes Market share 30.09.2025 Santander Bank Polska Grupa SCB Gross loans 165bn Group 11.3% 12.8%** Branches 308* 31 Deposits 221bn 10.1% 11.0%** Employment 10.8k 1.3k Customer funds 249bn Customers 6.1m 1.4m Digita
Slide 8: Financial ratios
02 | Results for 1-3Q 2025 – Our business development Key financial results Financial ratios Capital position Key results Strong capital position, well above the KNF requirements ROE, ROA for continued operations (pro forma): for continued operations : PLN 9 549m PLN 2 197m PLN 12 008m PLN 4 892m TC
Slide 9: Our customers
Our customers 03
Slide 10: Our customers in numbers
03 | Results for 1-3Q 2025 – Our customers Our customers in numbers* Retail customers SME customers Corporate customers 5.5m customers +1% YoY 560k customers +6% YoY 420k customers +18% YoY 27.7k customers 0% YoY 3.5m digital 405k digital +6% YoY +6% YoY 22.1k Digital customers customers +1% YoY cus
Slide 11: New products and services
03 | Results for 1-3Q 2025 – Our customers New products and services Retail customers SME customers Corporate customers ▪ We launched temporary cash loan offers with attractive ▪ We introduced special credit offers, including: ▪ Continuation of digitization and interest rates for both customers with
Slide 12: Education and support for customers
03 | Results for 1-3Q 2025 – Our customers Education and support for customers Retail Customers SME Customers BCB customers ▪ We expanded the account opening process for young ▪ We simplified the Smart Loan process with a civil guarantee instead of a promissory note with a guarantee, ▪ We implemente
Slide 13: Selected business data
03 | Results for 1-3Q 2025 – Our customers Selected business data Retail customers SME Customers BCB customers CIB Customers 4.8m +18% YoY PLN 3.9bn PLN 3.5bn +8% YoY +11% YoY +56% YoY +36% YoY Personal Select segment Loans Leasing Loans volumes Income on eFX Income from Income from Equity accounts
Slide 14: Our financial performance
Results for 1-3Q 2025 Our financial performance 04
Slide 15: Gross loans
04 | Results for 1-3Q 2025 – Our financial performance Gross loans Comment Gross loans Gross loans - structure PLNm +5%* Santander Bank Polska S.A. ◼ The loan portfolio increased by 5% YoY* and 177 975 180 346 181 527 184 746* 187 122* 11% +1%QoQ. 8 014 8 401 ◼ Mortgage loan sales in Q3’25: +42% vs.
Slide 16: Customer funds
04 | Results for 1-3Q 2025 – Our financial performance Customer funds Comment Deposits Deposits - structure PLNm ◼ Deposits +9% YoY and stable QoQ. +9%* ◼ In the third quarter, there was a slight decline in deposits from individual customers by 2%. Current 217 770 232 029 237 718* 4% 237 079 237 547
Slide 17: Net interest income and net interest margin
04 | Results for 1-3Q 2025 – Our financial performance Net interest income and net interest margin Comment Net interest income PLN m 3 576 3 625 3 598 3 619* 3 653* ◼ In 1–3Q 2025, the interest income amounted to PLN 9.5bn, 419 424 422 441 458 representing a 5% increase year-on-year. In Q3 2025 alon
Slide 18: Net fee and commission income
04 | Results for 1-3Q 2025 – Our financial performance Net fee and commission income Comment Net fee and commission income +5% +8% +3% PLN m ◼ In 1-3Q 2025, net fee and commission income amounted to PLN 2.2bn and increased by 5% YoY 728 744 695 690 702 725 and decreased by 3% QoQ. 54 45 50 44 54 50
Slide 19: Income
04 | Results for 1-3Q 2025 – Our financial performance Income Comment Income ◼ The Group's total income in 1-3Q 2025 amounted to PLN PLNm 12bn and increased by 6% YoY while on quarterly basis, it slightly decreased by 1% QoQ. 3 955 3 957 4 054 3 998 ◼ Higher net interest income by 5% YoY and higher
Slide 20: Operating expenses
04 | Results for 1-3Q 2025 – Our financial performance Operating expenses Comment Operating expenses ◼ Total costs in 1-3Q 2025 amounted to PLN 3.6bn, an increase PLNm 1 367 of 8% YoY. This is primarily due to higher Bank Guarantee Fund 26 (BFG) fees – PLN 334m in 1-3Q 2025 compared to PLN 233m 1 17
Slide 21: Provisions and credit portfolio quality
04 | Results for 1-3Q 2025 – Our financial performance Provisions and credit portfolio quality Cost of credit risk NPL and NPL coverage ratio 0.69% 4.8% 0.58% 0.57% 4.4% 4.3% 4.3* 0.45%* 0.45%* 4.2%* 4.0% 0.33% 0.33%* 3.9% Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 30.09.2024 31.12.2024 31.03.2025 30.0
Slide 22: Banking tax and regulatory costs NPL sales
04 | Results for 1-3Q 2025 – Our financial performance Banking tax and regulatory costs NPL sales Amounts payable to the BGF, PFSA, KDPW, IPS and BSF PLN m NPL sales PLN m 303 524 307 265 184 219 203 189 194 120 107 98 143 81 68 32 35 13 10 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1
Slide 23: Results for 1-3Q 2025
04 | Results for 1-3Q 2025 – Our financial performance Results for 1-3Q 2025 Comment Results for 1-3Q 2025 PLN m ▪ Gross profit in 1-3Q 2025 amounted to PLN 6.4bn (+11% YoY), and net profit to PLN 4.9bn (+13% YoY). 1-3Q 2025 1-3Q 2024 YoY Net interest and fee income 11 746 11 155 5% ▪ In 1-3Q 2025,
Slide 24: Attachments
Attachments 05
Slide 25: Retail Banking - growth in lending activity
05 | Attachments Retail Banking - growth in lending activity PLNm Cash loans portfolio (gross) Mortgage loans and advances portfolio (gross) SME financing portfolio (Loans & Leasing) (gross) ◼ PLN mortgage loans portfolio +4% YoY ◼ FX mortgage loans portfolio: -41% YoY +6,5% +5% +3% 56 147 55 291 88
Slide 26: Santander Leasing
05 | Attachments Santander Leasing Portfolio PLNm ▪ Leasing portfolio: PLN 16.5bn, +9% YoY +9% ▪ Excellent result in financing green investments – an increase of 45% YoY, investments value PLN: 653m 16 572 ▪ Dynamics of financing customers from the SME segment +10% YoY, 16 249 investments value PLN:
Slide 27: Santander Factoring
05 | Attachments Santander Factoring Portfolio Market share +12% PLNm 11% 9 045 8 842 8 771 8 704 7 819 * Data as at 30/09/2025 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 ◼ Santander Factoring led on the market in terms of the balance sheet in Turnover Q3 2025, with 12% growth in balance
Slide 28: Capital and liquidity position
05 | Attachments Capital and liquidity position Santander Bank 18.06% 17.38% 17.43% 16.43% Santander Bank Polska S.A. Polska Group L/D ratio Capital ratios 74.40% 72.69% 70.60% 69.53% 70.49% CAR TIER 1 30.09.2025 30.09.2024 30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025 Santander Bank Santan
Slide 29: Regulatory requirements regarding own funds and eligible liabilities – TLAC/MREL
05 | Attachments Regulatory requirements regarding own funds and eligible liabilities – TLAC/MREL MREL TLAC ▪ Pursuant to the decision of the Bank Guarantee ▪ In accordance with Article 92a of the CRR, the minimum TLAC requirement is 18% of total risk exposure amount (TREA) and Fund of April 22, 202
Slide 30: Key financial ratios
05 | Attachments Key financial ratios Santander Bank Polska Group 1-3Q 2025 Key financial ratios 1-3Q 2025 1-3Q 2024 continued operations Cost/ income 30.6% 30,0% 30,0% Net interest income/ total income 80.7% 80.7% 79.5% Net interest margin 1) 5.09% 5.28% 4.91% Net fee and commission income/ total i
Slide 31: Key financial ratios
05 | Attachments Key financial ratios 1. Net interest income annualised on a year-to-date basis (excluding interest income from the portfolio of debt securities held for trading and other exposures related to trading) to average net earning assets as at the end of consecutive quarters after the end
Slide 32: Thank You.
Thank You. Contact details Our purpose is to help people and business prosper. Maciej Reluga CFO, Chief Economist Our culture is based on believing maciej.reluga@santander.pl that everything we do should be: Agnieszka Dowżycka Head of Investor Relations agnieszka.dowzycka@santander.pl
Slide 33: Disclaimer
Disclaimer 1. This presentation may contain forward-looking statements including, without limitation, statements concerning future business development and financial performance. These forward-looking statements: ▪ represent our judgment and future expectations concerning the development of our busi