Polish banks target lending and fees as rates decline
Polish lenders target fee income and loan growth to sustain profits as rates fall to 3.75 percent. Rising mortgage demand helps offset narrowing margins.
Xurve View
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Xurve View
Lenders in Poland are pivoting to fee income and lending as benchmark interest rates fell to 3.75% from a 5.75% peak. Sector net profit hit 48.7B zlotys ($13.4B) in 2025, but four of six major listed banks reported lower first-quarter earnings this week. Investors are watching if diversified revenue can sustain returns as the era of high-margin interest income ends.
