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Bank Polski (PKO) investor relations material
Bank Polski Q3 2025 (Q&A) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 (Q&A) earnings summary6 Nov, 2025
Executive summary
Net profit for the nine months ended 30 September 2025 reached PLN 8.0 billion, up 16.2% year-over-year, including PLN 3.4 billion in CHF legal risk provisions, driven by higher net interest income and improved business activity.
Total assets grew to PLN 555 billion, a 9.4% increase year-over-year, with strong growth in customer deposits and financing granted to customers.
The group maintained a leading market position in loans (18.6% share) and savings (21.7% share), and reinforced its leadership in the retail investment fund market.
Number of customers increased by 324,000 year-over-year to 12.4 million.
ROE for 9M at 19.8%, with a solid capital base (CET1 at 16.29%).
Financial highlights
Net interest income grew 13.9% year-over-year to PLN 18,197 million, with NIM at 4.86% for 9M and 4.70% in Q3.
Fee and commission income up 0.5% year-over-year, with 5.4% quarter-over-quarter growth in Q3.
Operating expenses increased 11.8% year-over-year; cost/income ratio at 30.2% for 9M, 28.8% in Q3.
Cost of risk stable at 32 bps; NPL ratio at 3.46%.
Earnings per share for the period were PLN 6.37, up 16% year-over-year.
Outlook and guidance
Loan growth outlook for the sector has been revised downward, mainly due to a more conservative view on mortgage growth, though high single-digit (over 9%) PLN mortgage growth is still expected.
Polish GDP expected to grow 3.5% in 2025 and 2026, with loan growth forecast at 5.4% and 6.9% respectively.
The terminal policy rate is projected at 3.5% by 2026, with three additional 25 bps cuts expected, down from the current 4.25%.
NIM is expected to be under pressure in the coming quarters, with a slight drop anticipated in Q4 and further declines next year.
Net interest income is projected to remain stable with some potential for growth, depending on volume increases.
Future legal risk costs for FX mortgages?
Capital ratio decline: CRR3 and future buffers?
What drove Q3 net cash flow improvement?
Long-term savings shift impact on NIM?
Ukraine ops: key resilience lessons for PKO?
Ecolight app: how will it boost digital resilience?
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Next Bank Polski earnings date
Q4 202513 Mar, 2026
Next Bank Polski earnings date
Q4 202513 Mar, 2026
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Frequently asked questions
PKO Bank Polski is Poland's largest bank founded in 1919. It is a leading universal financial group operating on both the Polish and international capital markets. The activities of the bank are based on the three pillars of activity: Retail Banking, Corporate Banking, and Asset Management. PKO Bank Polski's home market is Poland. It operates in other countries through a network of representative offices and subsidiaries. PKO Bank Polski maintains a strong position at the retail segment, allowing it to develop products for individual customers and small-enterprises as well as for its middle-market corporate clients offering services in both local and foreign currencies. In addition, with its corporate clients, the bank has been developing its transaction portfolio by supporting investments focusing particularly on SMEs and their capital needs.
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