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Reports

Annual Report 2025

Consolidated profit (excluding Russia) above 1.4 billion euros

  • Consolidated profit 2025 up 48% to EUR 1,443 million (excluding Russia), with provisions for FXloans in Poland down significantly
  • Main revenues up 3% to EUR 6,186 million, driven by accelerating loan growth (6% for FY/2025)
  • CET1 ratio excluding Russia at 15.5% (Group CET1 ratio at 17.9%)
  • Business reduction in Russia on target - all restrictions to remain in place in 2026
  • Dividend proposal of EUR 1.60 per share, subject to audited results and to be voted on at the AGM
  • Outlook for 2026 (excluding Russia): main revenues to increase by mid-single digits, loan growtharound 7% and CET1 ratio above 15%

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