Erste Bank Polska H1 FY26 net profit drops 29% YoY to PLN 2.2 billion
XLF•Balance sheet growth and capital ratios
Gross loans increased 8% year over year to PLN 177 billion; deposits grew 11% to PLN 246 billion.
Capital ratios stayed strong, with total capital ratio at 19.43% and Tier 1 at 19.17%.
H1 net profit and pre-tax profit decline
Erste Bank Polska posted H1 net profit of PLN 2.2 billion, down 29% year over year; profit before tax fell 10% to PLN 3.7 billion.
Income and costs move in opposite directions
Total income rose 1% to PLN 8.05 billion as net fee and commission income climbed 5% to PLN 1.54 billion, offsetting a 3% drop in net interest income to PLN 6.16 billion.
Total costs jumped 22% to PLN 3.03 billion; integration costs were PLN 107 million and rebranding costs were PLN 175 million.
