Good news for borrowers. Yes, banks are fighting for customers

There have been changes on the banking market that can be beneficial to customers. The latest survey of the National Bank of Poland shows that banks are starting to compete more with each other, especially in the area of housing and consumer loans.

Margins reductions

Most institutions declared the decreases in margins at mortgage loans, as well as for consumer loans. In the case of the latter, non -interest costs are also reduced, and customers can count on higher available loan amounts.

For the main reason for these changes, banks indicate the growing competitive pressure. In the housing loan segment is the only reason indicated in the NBP study, while in the case of consumer loans – the most important.

The decrease in interest rates contributed to a reduction in the profitability of individual loans, which forced banks to fight for a larger number of customers. In this way they strive to maintain the overall level of profit despite the lower unit margin.

Increase in demand

The survey also shows an increase in interest in loans, especially housing. Banks expect that this demand will persist and even increase in the coming months. There is also interest in loans for companies, which is also associated with the relief of credit policy.

The NBP data shows that after the first reduction of interest rates, banks’ profits have significantly decreased. In June 2025, the banking sector reached a profit of PLN 2.5 billion, while previously regularly recorded over PLN 4 billion per month.

The current market situation shows that for the first time in many years banks are actively fighting for customers, adapting the offer and credit conditions to the growing competition. This may mean the beginning of more favorable financing conditions for both households and enterprises.