The banking sector in Poland is showing strong resilience to monetary policy easing. Alior Bank ended the fourth quarter of 2025 with a historic record net profit of PLN 688 million, exceeding analysts' expectations by 15%. Meanwhile, Bank Pocztowy, posting over a 13% annual profit growth, announced an ambitious development strategy until 2029, aiming to nearly double its assets.

Alior's Record

The bank generated PLN 688 million in profit in the fourth quarter, beating forecasts by 15% despite regulatory challenges.

Pocztowy's Strategy

The development plan until 2029 assumes profit growth to PLN 340 million and assets to PLN 28 billion.

Defense Contract

Odlewnie Polskie will produce projectile casings for over PLN 28 million, supporting the growth trend in the defense sector.

Sector Rally

The entire banking sector earned a record PLN 49 billion in 2025, signaling high dividends.

The Polish banking sector ended 2025 with a record net result of PLN 49 billion, representing growth of over 20% compared to the previous year. These results are particularly significant in the context of the ongoing cycle of interest rate cuts, which theoretically should limit bank margins. Alior Bank alone generated PLN 687.7 million in net profit in the fourth quarter, surprising the market as the analysts' consensus had assumed an amount nearly PLN 90 million lower. Although the group's annual profit fell by 3% year-on-year to PLN 2.37 billion, the year-end December performance showed strong growth dynamics and improved operational efficiency. Simultaneously, Bank Pocztowy presented its report, showing a net profit for 2025 of PLN 205.9 million. This institution is currently undergoing the most profound transformation in its history, focusing on modern mobile banking and process digitization. The bank's new strategy assumes asset growth to PLN 28 billion and achieving a net ROE above 15% by 2029. The bank is focusing on developing services such as PocztowyID and integration with the mObywatel app to attract younger customer groups. After the 2008 financial crisis, the Polish banking system underwent significant consolidation and digitization, making it one of the most modern in Central and Eastern Europe. In the shadow of the banking results, share prices of companies from the defense sector revived on the Warsaw Stock Exchange. Investors reacted optimistically to new contracts, exemplified by Odlewnie Polskie. The company signed a contract worth over PLN 28.4 million for the supply of projectile casings produced using advanced ADI technology. The market expects that the high profits generated by listed companies in 2025 will translate into record dividend payouts in the upcoming season, further stimulating demand for shares on the WSE. „Dowieźliśmy wszystkie założenia pierwszego roku strategii, a nawet je przekroczyliśmy.” (We have delivered on all the assumptions of the first year of the strategy, and even exceeded them.) — Piotr Żabski Bank net profit for 2025: Alior Bank: 2370, Bank Pocztowy: 205.9 49 mld zł — was the profit of the Polish banking sector in 2025 Key indicators of Alior Bank (Q4 2025): Net profit: 615.1 mln zł → 687.7 mln zł; Market expectations: 597.8 mln zł → 687.7 mln zł; Net interest margin (NIM): No data → 5.6%

Mentioned People

  • Piotr Żabski — President of Alior Bank, commenting on the 2025 results.