Net result in banking sector amounted to PLN 15.4 bln from Jan to Apr ‘25
Between January and April 2025, Poland’s banking sector reported a net profit of PLN 15.4 billion, up 12.6% y/y, according to the Bank Guarantee Fund (BFG). Commercial banks earned PLN 13.6 billion, and cooperative banks PLN 1.9 billion. The increase was mainly driven by a 7.9% rise in net interest income (up PLN 2.59 billion), despite a 12.7% rise in administrative costs.
Return on equity (ROE) improved to 22.79% (from 21.79%), return on assets (ROA) to 1.72% (from 1.68%), and the cost-to-income ratio (C/I) slightly decreased to 44.12%. However, interest margin dropped to 3.91% (from 3.99%) and fee margin to 0.69% (from 0.76%). Total assets grew to PLN 2.7 trillion.
