A Record-Breaking Year for Nest Bank: PLN 102 Million in Profit and Strategic Investments in Growth Nest Bank closed 2024 with a historic result – a net profit of PLN 102 million. These impressive figures mark just the beginning. Over the past year, Nest! launched its own leasing company, introduced the first AI Agent in Polish banking via its mobile app, and received numerous prestigious international awards. The outlook for 2025 is equally ambitious.
Record Financial Results and Strategic Investments
2024 was a year of dynamic growth and bold, strategic investments for Nest Bank. The launch of Nest Lease and the deployment of N!Asisstant – the first AI Agent in a Polish banking app, powered by GPT-4 – set the bank’s development trajectory for years to come.
“This was undoubtedly the best year in Nest Bank’s history. A record financial result exceeding PLN 102 million, the debut of our leasing company, and the implementation of the AI Agent in our mobile app confirm the effectiveness of our strategy. Not long ago, AI was viewed as an innovative curiosity. Today, it’s becoming a new standard. We are proud that N!Assistant will go down in history as the first AI Agent deployed in production in the Polish banking sector,” said Piotr Kowynia, CEO of Nest Bank. “We’re proving that there is space in the Polish market for smaller, highly innovative financial institutions that specialize in serving entrepreneurs. We understand the needs of micro and small businesses, and we are experts in supporting this segment. We continue to deliver on our strategy, offering high-quality products at competitive prices – largely thanks to smart use of technology,” Kowynia added.
Leasing and AI are only part of what Nest! achieved in 2024. The bank also carried out a comprehensive redesign of its mobile app, introducing a modern interface and new features. The year brought a record-high loan sales volume of PLN 912.1 million – a 37.8% increase year-over-year. Nest Bank maintained a strong and stable capital position (TCR: 19.97%) and grew its total assets by an impressive 21%.
AI-Powered Customer Support Remains Central to Nest Bank’s Strategy
In 2025, Nest Bank plans to introduce recurring BLIK payments and enable access to the government’s trusted e-profile (Profil Zaufany) directly within its online banking system. The bank also announced further investments in artificial intelligence – both in customer service (e.g., hotline, complaints process) and in internal operations. The use of AI is expected to significantly enhance operational efficiency and service quality, strengthening the bank’s competitive edge in the core segment of micro and small enterprises.
“We focus on the business client segment, which forms a critical backbone of the Polish economy – contributing around 40% to the national GDP and employing over 50% of the workforce. We offer entrepreneurs competitively priced services and modern tools, including solutions based on generative AI. Our strategy is long-term and people-centric – centered on the needs of both customers and employees. We’re growing rapidly, leveraging the latest technological advancements. N!Assistant – the first AI Agent in Polish banking – has set a new benchmark for customer service, but we’re just getting started. Our goal is to build fully conversational banking – where clients can manage all their banking needs through an AI Agent that understands their products and preferences,” said Janusz Mieloszyk, First Vice President of the Management Board at Nest Bank. “Even today, N!Assistant can do a lot: it helps users pay invoices using photos, initiate transfers, navigate the app, and analyze spending. In the years ahead, we will focus even more on automation,” Mieloszyk added.
Rapid Leasing Growth, New SME Offerings, and What’s Ahead in 2025
In 2025, Nest Lease – part of the Nest Group – will continue expanding its offer to attract new business clients and support the group’s overall balance sheet growth. At the same time, the Nest Group (comprising Nest Bank, Nest Lease, and Faktoria) plans to strengthen its position in the medium-sized enterprise segment by offering a full range of services – from business accounts and investment loans to leasing solutions.
“2025 will bring further expansion of our offering for small and medium-sized businesses – a key strategic segment for us. We are continuing the rapid development of our leasing services and plan to launch investment loans to further support entrepreneurs in managing their finances and driving business growth,” said Janusz Mieloszyk.
