Corporate Banking in Poland
RAROC profiles and pricing benchmarks for 1 Poland banks, sourced from Pillar 3 disclosures.
Last updated: March 2026 · Data source: public Pillar 3 disclosures
Banks tracked
1
Headquartered in Poland
Total corporate EAD
EUR 134bn
Combined exposure
Avg cost-to-income
31.1%
Operating efficiency
Avg corporate PD
2.54%
Probability of default
Overview
OpenRAROC tracks 1 banks headquartered in Poland with a combined corporate credit exposure of EUR 134bn. The average Poland bank in our dataset has a cost-to-income ratio of 31.1% and an average corporate probability of default of 2.54%. On a representative BBB+ EUR 25M 5-year term loan, these banks generate an average RAROC of 7.23%.
Cheapest vs most expensive in Poland
On the standard sample deal, PKO Bank Polski is the cheapest lender in Poland, requiring just 246bp to hit a 12% RAROC hurdle. The most expensive is PKO Bank Polski at 246bp — a difference of 0bp on the same deal. For a EUR 25M facility, that's EUR 0 per year in interest expense.
All 1 banks ranked by RAROC
RAROC computed on a representative BBB+ rated, 5-year, EUR 25M term loan at 150bp spread. Click any bank for its full profile.
| # | Bank | C/I | Avg PD |
LGD | EAD | RAROC | Min spread |
| 1 | PKO Bank Polski | 31.1% | 2.54% | 40.0% | EUR 134bn | 7.23% | 246bp |
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FAQ: corporate banking in Poland
How many banks in Poland does OpenRAROC cover?
OpenRAROC tracks 1 banks headquartered in Poland, with a combined corporate credit exposure of EUR 134bn reported in their most recent Pillar 3 CR6 disclosures.
Which Poland bank has the tightest corporate credit pricing?
On a representative BBB+ EUR 25M 5-year term loan, PKO Bank Polski requires the lowest minimum spread to clear a 12% RAROC hurdle (246bp), making it the cheapest lender in the Poland cohort on that specific deal.
What is the average cost-to-income ratio of Poland banks?
The 1 Poland banks in the dataset report an average cost-to-income ratio of 31.1% and an EAD-weighted average corporate probability of default of 2.54%.
How is RAROC calculated for Poland banks?
Each bank is priced on the same BBB+ EUR 25M 5-year term loan, using its own disclosed cost-to-income, effective tax rate, funding spread, and IRB-approach PD/LGD parameters. See the methodology page for the full formula.