Thursday, 26 March 2026
Poland’s banking sector reported improved financial performance in 2025, supported by higher income generation and a reduction in risk-related costs. The sector’s overall profit increased compared to the previous year, reflecting a combination of stronger earnings from core activities and a more favourable cost environment.
The improvement in results was largely driven by higher income from lending activities, alongside a turnaround in other operational areas and lower provisioning levels. Despite rising operating expenses, the overall performance of the sector remained positive, with profitability indicators showing clear growth year-on-year.
At the same time, the size of the banking sector continued to expand. Total assets increased steadily, while capital levels strengthened, indicating a more solid financial position. The structure of bank balance sheets remained broadly unchanged, with loans and other financial assets continuing to represent the largest share.
Lending activity grew across both households and businesses. Loans to individuals, particularly for housing, remained the dominant segment, while corporate lending also expanded, with small and medium-sized enterprises playing a key role. Demand for investment and working capital financing contributed to this trend.
Deposits also increased, supporting liquidity in the system. Most funds were held in current accounts, while the share of longer-term deposits declined slightly, reflecting customer preferences in the prevailing interest rate environment.
The number of banks operating in Poland rose marginally during the year, driven by new market entrants, while the number of cooperative institutions decreased slightly. Foreign-owned banks continued to account for a significant portion of the sector.
Overall, the data suggests that Poland’s banking sector maintained stable growth in 2025, with improved profitability, expanding lending activity and a solid funding base.
