{"componentChunkName":"component---src-templates-post-js","path":"/banki-szykuja-sie-na-slabsze-wyniki-konczy-sie-era-rekordowych-zyskow/","result":{"data":{"mysqlPost":{"id":"mysql__Post__93326","ID":93326,"post_date":"2026-05-14T04:02:51.000Z","post_modified":"2026-05-13T21:25:13.000Z","lead":"W ostatnich latach sektor bankowy korzystał z wysokich stóp procentowych, które znacząco zwiększały przychody z odsetek.","post_content":"<p>Według ekspertów ZBP głównym powodem pogorszenia wyników będzie spadająca dochodowość produktów bankowych. W ostatnich latach sektor korzystał z wysokich stóp procentowych, które znacząco zwiększały przychody z odsetek. Teraz sytuacja zaczyna się zmieniać.</p><h2 style=\"text-align: left;\">Co dalej z zyskami banków w Polsce?</h2><p>Banki nadal będą zwiększać skalę działalności i wartość aktywów, jednak marże mają być niższe niż w rekordowych latach 2024-2025. ZBP zwraca uwagę, że silna konkurencja na rynku, połączona z niższymi stopami procentowymi, może ograniczać rentowność działalności. O sprawie pisze <a href=\"https://www.bankier.pl/wiadomosc/Banki-zarobia-mniej-Nadchodzi-koniec-rekordowych-wynikow-9130717.html\" target=\"_blank\" rel=\"noopener nofollow\">Bankier.pl</a>.</p><p>Jednocześnie ZBP podkreśla, że częściowym wsparciem dla wyników może być  “oczekiwana wysoka rentowność obligacji skarbowych wynikająca z wysokiego deficytu i długu publicznego”.</p><p>Mimo spodziewanego spowolnienia, przychody odsetkowe pozostaną głównym źródłem zarobku <a href=\"https://fintek.pl/aktualnosci/bankowosc/\">banków</a>. ZBP prognozuje, że sektor nadal będzie osiągał umiarkowanie wysokie dochody z kredytów i innych produktów finansowych, choć już nie na poziomie obserwowanym w ostatnich dwóch latach.</p><p>Eksperci zaznaczają, że dalszy wzrost wyników ma wynikać przede wszystkim ze zwiększania skali sprzedaży produktów, a nie z wyższych marż. Pomóc może także ograniczona przestrzeń do dalszych obniżek stóp procentowych przez RPP.</p><h2 style=\"text-align: left;\">Większa część środków na dywidendy?</h2><p>Raport wskazuje również, że banki będą wolniej zwiększać swoje kapitały własne. Mniejsze zyski, przy jednocześnie wysokim poziomie kapitałów zgromadzonych w ostatnich latach, sprawią, że większa część wypracowanych środków może zostać przeznaczona na wypłatę dywidend dla akcjonariuszy.</p><p>Zdaniem ZBP sektor pozostaje jednak stabilny i dobrze przygotowany do dalszego finansowania gospodarki. Związek Banków Polskich prognozuje, że banki nadal będą osiągać stosunkowo wysokie przychody odsetkowe, jednak nie dorównają one rekordowym poziomom notowanym w latach 2024-2025.</p><p>Przypomnijmy, że <a href=\"https://fintek.pl/koniec-bankowego-eldorado-w-polsce-wyniki-calego-sektora-slabsze-niz-rok-temu/\">zgodnie z danymi Narodowego Banku Polskiego polski sektor bankowy na początku 2026 roku zanotował istotny spadek zysków.</a> W okresie od stycznia do marca 2026 r. zysk netto banków wyniósł 9,427 mld zł, co oznacza spadek o 19,6 proc. w porównaniu z analogicznym okresem rok wcześniej. W samym marcu wynik netto wyniósł około 3,35 mld zł.</p>\n","post_title":"Banki szykują się na słabsze wyniki. Kończy się era rekordowych zysków","post_excerpt":"Polski sektor bankowy może wkrótce pożegnać się z rekordowymi zyskami. Z najnowszego raportu Związku Banków Polskich wynika, że w 2026 roku banki mają osiągnąć niższe zyski brutto niż rok wcześniej. Choć instytucje finansowe nadal pozostaną rentowne, dynamika wzrostu wyraźnie osłabnie.","post_name":"banki-szykuja-sie-na-slabsze-wyniki-konczy-sie-era-rekordowych-zyskow","nofollow":0,"postterms":[{"term_id":8,"name":"Najnowsze wiadomości ze świata Fintechu","slug":"aktualnosci","parent_slug":null},{"term_id":11434,"name":"Bankowość","slug":"bankowosc","parent_slug":"aktualnosci"}],"author":{"display_name":"Gabriela Wojtulewicz","user_nicename":"gabriela-wojtulewicz","mysqlImage":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":1,"src":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/b315d/image.jpg","srcSet":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/d0f88/image.jpg 25w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/99438/image.jpg 50w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/b315d/image.jpg 100w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/dcd9a/image.jpg 150w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/8295c/image.jpg 200w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/cfbc8/image.jpg 512w","srcWebp":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/ff02b/image.webp","srcSetWebp":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/8d998/image.webp 25w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/48562/image.webp 50w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/ff02b/image.webp 100w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/1c591/image.webp 150w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/a4d7d/image.webp 200w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/95882/image.webp 512w","sizes":"(max-width: 100px) 100vw, 100px"}}}},"postmetas":[{"meta_key":"_yoast_wpseo_primary_category","meta_value":"11434"},{"meta_key":"wpcf-top-kategoria","meta_value":"0"},{"meta_key":"wpcf-wstep","meta_value":"W ostatnich latach sektor bankowy korzystał z wysokich stóp procentowych, które znacząco zwiększały przychody z odsetek."},{"meta_key":"wpcf-bez-obrazka","meta_value":"0"},{"meta_key":"_yoast_wpseo_newssitemap-exclude","meta_value":"off"},{"meta_key":"_yoast_wpseo_newssitemap-genre","meta_value":"a:0:{}"},{"meta_key":"_yoast_wpseo_newssitemap-standout","meta_value":"off"},{"meta_key":"_yoast_wpseo_newssitemap-editors-pick","meta_value":"off"},{"meta_key":"_yoast_wpseo_focuskw","meta_value":"sektor bankowy wyniki finansowe zyski"},{"meta_key":"_yoast_wpseo_title","meta_value":"Banki szykują się na słabsze wyniki. 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