Bank profits are already in the billions. They are impressive, but there is visible regression
On Tuesday, the National Bank of Poland (NBP) published a summary of the results of the entire banking sector. The focus is on bank profits, which have shocked many in recent years.
The first months were marked by multi-billion profits, which a few years ago would have been difficult to achieve even on an annual basis. However, they do not match the results from the same period in 2025.
After the first three months of 2026, the net profit of the banking sector amounted to PLN 9,427 million – according to the latest NBP data. Approximately PLN 3 billion was raised in each month, but March is the best month so far (PLN 3,351 million).
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A year ago, after the first three months, the profits of the banking sector were higher by approximately PLN 2.3 billion. The difference is about 20 percent. On this basis, it can be expected that it will be difficult to break the profit record throughout the year. At the end of 2025, they amounted to almost PLN 49 billion. To beat this result, banks would have to earn approximately PLN 40 billion in the next nine months. This amounts to PLN 4.4 billion per month.
|
Net profit after 3 months |
9,427 |
|
Staff costs |
7,877 |
|
Revenue from fees and commissions |
6,967 |
|
Interest income |
40,867 |
Bank results 2026. Fees up and interest down
Detailed data provided by the National Bank of Poland show that: employee costs in banks after the first three months of this year amounted to PLN 7,877 million. This is over half a billion zlotys more than in the same period of the previous year.
Revenues from fees and commissions in the first quarter of 2026 amounted to a total of PLN 6,967 million compared to PLN 6,524 million a year earlier. Interest income at the same time decreased from PLN 44,969 million to PLN 40,867 million.
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Banks play a key role in the economy because they act as intermediaries between entities with financial surpluses and those that need capital for investment or consumption. They accept deposits and grant loans, which supports the development of enterprises, financing innovations and the financial stability of households.
Banks enable the efficient functioning of the payment system, facilitating transactions and settlements. Thanks to their activities, they also influence the level of money supply and the implementation of monetary policy, which is important for inflation and the general condition of the economy.
