Corporate Banking in Poland

RAROC profiles and pricing benchmarks for 1 Poland banks, sourced from Pillar 3 disclosures.

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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