BNP Paribas BP showed results for 2025. Better than the market expected

The net profit of the BNP Paribas BP group in the fourth quarter of 2025 increased to PLN 887 million from PLN 509.2 million a year earlier, the bank announced in the report. The profit turned out to be 15.5%. higher than the expectations of analysts who predicted that it would amount to PLN 768.2 million.

The expectations of 8 brokerage houses regarding the bank's net profit in the fourth quarter of 2025 ranged from PLN 717.2 million to PLN 823 million.

The net profit of the BNP Paribas BP group in the fourth quarter of 2025 increased by 74.2%. year to year and increased by 27.5%. on a quarterly basis.

BNP Paribas BP recorded a positive impact of the valuation of deferred tax assets and provisions resulting from the increase in future tax rates (PLN 174 million in the fourth quarter of 2025).

Throughout 2025, the net profit of BNP Paribas BP amounted to PLN 3.06 billion compared to PLN 2.36 billion a year ago. The bank said in the presentation that the record level of profit is the result of increased revenues, cost control and a lower impact of CHF legal risk.

Interest income amounted to PLN 1,468 million and was 0.6 percent higher. higher than the consensus of PLN 1,458.7 million. Interest income decreased by 4.7%. y/y and increased by 0.8%. kdk.

Throughout 2025, the interest income amounted to PLN 5.89 billion compared to PLN 5.74 billion a year earlier.

The commission income amounted to PLN 317.3 million, which means that it was 3.8% higher than in the previous year. above the forecasts of analysts surveyed by PAP Biznes (PLN 305.8 million). Commission income decreased by 3.8%. y/y and increased by 10%. on a quarterly basis.

Throughout 2025, commission income reached PLN 1.26 billion compared to PLN 1.25 billion in 2024.

Total costs were PLN -806 million, i.e. 196.2 percent more. lower than the consensus of PLN 838.1 million. Total costs decreased by 195.9%. y/y and dropped 200.8%. kdk.

The balance of reserves amounted to PLN -68.7 million and was 12.1 percent higher. lower than the consensus of PLN 78.2 million. The balance of reserves increased by 15.9%. y/y and dropped 29%. compared to the previous quarter.

The ROE ratio at the end of December 2025 was 18.7%, which means a year-on-year increase of 2 percentage points. The C/I ratio (costs to income) decreased by 2 percentage points yoy, to 41.2%.

BNP Paribas BP continued to grow loans in both customer segments in the fourth quarter. At the end of the year, the value of gross loans amounted to PLN 93.6 billion, which means a y-o-y increase of 5.9%. The bank estimates its market share in this area at 5.6%.

BNP Paribas BP recorded an increase in the loan portfolio of individual clients related to maintaining the level of sales of housing loans and increasing sales of car and installment loans. The increase in loans from institutional clients is related to the increase in the portfolio of enterprises and individual farmers.

At the end of last year, the number of BNP Paribas BP customers amounted to 2.69 million, which means a decrease of 10.7%. year to year. The bank explains this by reviewing the individual customer base.

The Management Board of BNP Paribas Bank Polska will apply to the General Meeting to allocate approximately 50% for the payment of dividend. unit net profit for 2025.

In 2025, the standalone net profit of BNP Paribas BP amounted to PLN 3.01 billion.

“The amount of the proposed dividend takes into account both the bank's current financial situation and its development plans,” the statement said.

BNP Paribas BP currently meets the criteria and requirements of the Polish Financial Supervision Authority enabling payment of up to 75%. profit for 2025 in the form of a dividend, while the bank has not yet received an individual dividend recommendation from the Polish Financial Supervision Authority.

From the net profit for 2024 of PLN 2.32 billion, BNP Paribas BP paid a dividend of PLN 1.16 billion last year, which gave a dividend of PLN 7.86 per share.

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