Record results of the banking sector
In the period from January to May 2025, banks in Poland achieved a net financial result of 21 billion zł, which means a 20.4% increase year-on-year – reported the Financial Supervision Authority (KNF). The month of May 2025 brought 4.4 billion zł in net profit, indicating a sustained good economic climate in the sector.
Source: bigdata.rynekpierwotny.pl / KNF, July 2025
What influences the high profitability of banks in 2025?
The increase in net results of the banking sector is the result of several key factors:
- High interest rates – banks achieve higher revenues from interest on mortgage 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 risk costs – fewer non-performing loans, better quality of the loan portfolio
What does this mean for the real estate market?
The high profit of the banking sector has a direct impact on the situation of borrowers and investors:
1. Mortgage loans: greater availability, but still high interest rates
Banks have the funds for lending, but still maintain high margins. The creditworthiness of clients is slowly increasing – despite a slight decrease in interest rates, the real interest rate on mortgage loans averages 5.9–6.2%.
2. Greater competition among banks
Increasing profits cause banks to be more active in acquiring clients – new promotional offers, loans with fixed interest rates, and incentives for couples and first-time homebuyers are emerging.
3. Better conditions for investors
The growth of stability in the banking sector may encourage institutional and individual investors to purchase properties partially financed by loans, especially in cities with high profitability (e.g., Wrocław, Trójmiasto, Kraków).
What questions do clients of Atlant Estates ask today?
Is it worth taking out a mortgage now?
Yes, if you have stable income and want to secure yourself against further increases in property prices. Fixed-rate loans provide predictability, and banks are offering more and more such products.
Does investing in apartments with a loan make sense at current rates?
Yes, but the key is ROI – you need to carefully calculate the profitability of the investment, taking into account the loan costs and potential rental income.
Will banks lower margins and interest rates further?
There is no clear answer – much depends on the decisions of the Monetary Policy Council and global inflation trends. However, the sector's profits may encourage banks to gradually ease lending policies.
Summary
The banking sector in Poland is recording record results in 2025. An increase of over 20% year-on-year shows the good financial condition of banks and may be a positive signal for the real estate market. High profits translate into greater lending activity and competition, benefiting both those looking for an apartment and investors.