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BNP Paribas Bank Polska (BNP) investor relations material
BNP Paribas Bank Polska Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net profit for Q3 2025 was PLN 696 million, down 5% quarter-on-quarter but up 9% year-on-year, supported by cost control and reduced CHF mortgage legal risk impact.
Net profit for the first nine months of 2025 reached PLN 2,171 million, up 17.4% year-over-year, driven by higher trading income, improved cost control, and lower credit losses.
Loan volumes grew 2.4% quarter-on-quarter, with strong performance in mortgages and investment products.
The bank is preparing to unveil a new strategy for 2026-2030, focusing on sustainable funding, customer acquisition, and operational efficiency.
The Group maintained strong capital and liquidity positions, with capital ratios well above regulatory requirements.
Financial highlights
Net banking income for Q3 2025 was PLN 1,955 million, down 6.9% year-on-year, mainly due to lower non-interest income and absence of one-offs.
Net interest income for 9M 2025 was PLN 4,424.3 million (+5.3% y/y); net fee & commission income PLN 944.1 million (+1.1% y/y); trading income PLN 828.8 million (+29.0% y/y).
Operating expenses for 9M 2025 were PLN -2,563 million (+2.0% y/y), with cost/income ratio at 41.6% (-2.2pp y/y).
Gross loans reached PLN 91.4 billion (+2.2% y/y), customer deposits PLN 129 billion (+5.9% y/y), and investment products PLN 23 billion (+24.1% y/y).
Earnings per share increased to PLN 14.62 from PLN 12.52 year-over-year.
Outlook and guidance
GDP growth in Poland is forecast at 3.5% in 2025 and 2026, with inflation expected to average 3.7% in 2025.
The Monetary Policy Council is expected to continue easing, with further interest rate cuts anticipated.
The Group expects continued pressure on margins from further interest rate cuts by the National Bank of Poland and ECB.
Regulatory changes, including the transition from WIBOR to POLSTR and new tax rules, will require ongoing adaptation.
The bank will present a new strategy on 11 December 2025, focusing on customer acquisition, capital-efficient lending, sustainable transformation, and operational efficiency.
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Next BNP Paribas Bank Polska earnings date
Q4 202513 Mar, 2026
Next BNP Paribas Bank Polska earnings date
Q4 202513 Mar, 2026
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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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