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Investor Relations14 Oct 2025
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BNP Paribas Bank Polska (BNP) investor relations material
BNP Paribas Bank Polska Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary12 Aug, 2025
Executive summary
Net profit for H1 2025 reached PLN 1,475 million, up 21.6% year-over-year, driven by strong non-interest income, cost control, and improved efficiency.
Net banking income rose 15.8% year-over-year to PLN 4,212 million, with significant growth in net trading and fee income.
Retail banking stabilized, with optimism for future mortgage and cash loan production, while corporate and SME banking faced headwinds from loan repayments and risk reduction.
Legal risk from CHF mortgage loans remains significant, with provisions impacting results.
Strategic initiatives advanced in digitalization, sustainable finance, and workplace diversity, with multiple awards and new product launches.
Financial highlights
Net interest income: PLN 2,968 million (+13.2% y/y); net fee & commission income: PLN 656 million (+5.3% y/y); net trading income: PLN 603 million (+44.6% y/y).
Cost/income ratio improved to 41.8% (down 5.6 p.p. y/y); ROE at 18.8%.
Net profit of PLN 1,475 million, up 21.6% y/y; book value per share at PLN 107.0 (+5.4% y/y).
Net allowances on expected credit losses at PLN -9 million, reflecting very low cost of risk.
Total assets reached PLN 168.5 billion, with net loans at PLN 86.9 billion and customer deposits at PLN 129.3 billion.
Outlook and guidance
GDP growth in Poland forecast at 3.5–4% in 2025, with further monetary easing and robust credit demand anticipated.
The Group aims to maintain ROE above 12%, cost/income below 48%, and sustainable financing share above 10% by 2025.
Legal risk from CHF mortgage loans and potential regulatory interventions remain key sector challenges.
Loan activity projected to grow at a decent pace, supported by domestic demand and lower inflation.
Fees and commissions income for 2025 forecasted between €280 million and €320 million.
What's driving the increase in other net income?
How does the bank support low-carbon transition?
What's BNP Paribas' intention for free float shares?
What is driving the positive dynamics in mortgage loans?
How will geopolitical uncertainty impact the bank?
Elaborate on plans for headcount optimization.
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Next BNP Paribas Bank Polska earnings date
Q3 20256 Nov, 2025
Next BNP Paribas Bank Polska earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
BNP Paribas Bank Polska S.A. provides a range of banking and financial services to individual, corporate, and institutional clients. The bank’s offerings include retail banking, corporate lending, asset management, and digital banking solutions. It operates as part of the BNP Paribas Group. The company is headquartered in Warsaw, Poland, and its shares are listed on the WSE.
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