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BNP Paribas Bank Polska
BNP Paribas Bank Polska (BNP) investor relations material
BNP Paribas Bank Polska Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved record net profit of PLN 3.1 billion in 2025, up 30% year-over-year, driven by revenue growth, cost control, and lower legal risk from CHF mortgage loans.
Net banking income reached PLN 8.2 billion, with strong Q4 net profit of PLN 890 million and improved cost efficiency.
Completed and exceeded GObeyond strategy targets, transitioned to Accelerate 2030 strategy focused on growth and profitability.
Growth in business volumes across all segments, with notable increases in loans and deposits for both individual and institutional customers.
Systematic cleanup of the customer base completed, expected to positively impact customer numbers.
Financial highlights
Net banking income rose 5.6% year-over-year to PLN 8.2 billion, with net interest income up 2.6%, net fee and commission income up 1.0%, and net trading income up 24.5%.
Operating expenses remained under control, up only 0.5% year-over-year, with a cost/income ratio of 41.2% (down 2.1pp year-over-year).
Net allowances on expected credit losses fell 29.1% year-over-year to PLN -174 million; CHF portfolio legal risk impact dropped 37.3% to PLN -499 million.
Customer deposits increased 8.0% to PLN 141 billion; gross loans grew 5.9% to PLN 94 billion.
Equity strengthened by 14.3% to PLN 18 billion; total capital ratio at 16.86%.
Outlook and guidance
Expecting annual average loan book growth of 7% in 2026, with growth not evenly distributed across quarters.
Strategy aims for a cost-to-income ratio below 38% by 2030 and a dividend payout ratio of up to 75% by the end of the strategy period.
Further monetary policy easing and interest rate cuts anticipated, with net interest margin expected to remain under pressure but offset by volume growth and hedging.
Anticipate continued robust demand for loans, especially from larger enterprises and traditional industrial sectors.
Macroeconomic conditions, including GDP growth and inflation trends, will influence future performance.
What drove the lower legal risk impact from FX loans?
Explain NII growth despite NIM compression.
How do public finance needs impact lending capacity?
Why 40bps cost of risk under Accelerate 2030?
How to compete in over-liquid lending market
Justify 50% dividend vs. 75% eligibility
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Next BNP Paribas Bank Polska earnings date
Q1 20267 May, 2026
BNP Paribas Bank Polska
Next BNP Paribas Bank Polska earnings date
Q1 20267 May, 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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