Net result of the banking sector in Poland: January-May 2025 💰
Record results for the banking sector
Between January and May 2025, banks in Poland generated a net profit of PLN 21 billion, up 20.4% year-on-year, the Financial Supervision Commission (KNF) reported. May 2025 alone brought a net profit of 4.4 billion zlotys, demonstrating the continued prosperity in the sector.
Source: bigdata.rynekpierwotny.pl / KNF, July 2025
What influences the high profitability of banks in 2025?
The increase in the banking sector’s net earnings is the result of several key factors:
- High interest rates – banks earn higher interest income on mortgages and consumer loans
- Economic recovery – investment activity, consumption and demand for financing are increasing
- Stable macroeconomic situation – Poland maintains relative resilience to external economic shocks
- Decrease in cost of risk – fewer defaulted loans, better quality of loan portfolio
What does this mean for the real estate market?
High profits in the banking sector have a direct impact on borrowers and investors:
1. mortgages: greater availability, but still high interest rates
Banks have the means to lend, but still maintain high margins. Customers’ creditworthiness is growing slowly – despite a slight drop in interest rates, real mortgage rates average 5.9-6.2%.
2. more competition among banks
Rising profits are causing banks to be more active in attracting customers – there are new promotional offers, fixed-rate loans and incentives for couples and first-time home buyers.
3. better conditions for investors
An increase in the stability of the banking sector may encourage institutional and individual investors to purchase real estate financed in part by credit, especially in cities with high profitability (e.g. Wroclaw, Tricity, Krakow).
What questions are Atlant Estates customers asking today?
Is it worth taking out a mortgage now?
Yes, if you have a stable income and want to hedge against further increases in real estate prices. Fixed-interest loans offer predictability, and banks are offering more and more such products.
Does it make sense to invest in housing on credit at current rates?
Yes, but ROI is key – you need to calculate the profitability of the investment well, taking into account the cost of the loan and the potential rental income.
Will banks still cut margins and interest rates?
There is no clear answer – much depends on the decisions of the Monetary Policy Council and global inflation trends. However, the sector’s gains may encourage banks to gradually ease credit policy.
Summary
Poland’s banking sector is posting record results in 2025. An increase of more than 20% year-on-year shows the good financial health of banks and could be a positive sign for the real estate market. High profits translate into more lending activity and competition, which favors both home seekers and investors.
Do you want to buy an apartment or invest in a property in Poland?
Get help from the experts at Atlant Estates. We will help you find the right property, calculate profitability and compare mortgage offers.
Contact:
📞 +48 459 569 303
📧 office@atlantestates.com
