Erste Bank Polska (FRA:BZI) Net Loan: €37,619 Mil (As of Jun. 2026)

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FRA:BZI Erste Bank Polska SA FRA:BZI
75 GF Score
Price €166.95
GF Value €119.10
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Erste Bank Polska Net Loan?

Erste Bank Polska FRA:BZI +5.56% 75 Net Loan is €37,619 Mil as of Jun. 2026. GuruFocus rates FRA:BZI with a GF Score™ of 75/100 and a GF Value™ of €119.10 (Significantly Overvalued). The stock has 9 warning signs investors should review.

Erste Bank Polska's quarterly net loan increased from Dec. 2025 (€35,794 Mil) to Mar. 2026 (€36,508 Mil) and increased from Mar. 2026 (€36,508 Mil) to Jun. 2026 (€37,619 Mil).

Erste Bank Polska's annual net loan increased from Dec. 2023 (€37,103 Mil) to Dec. 2024 (€36,508 Mil) but then declined from Dec. 2024 (€36,508 Mil) to Dec. 2025 (€37,619 Mil).

Erste Bank Polska Net Loan Historical Data

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The historical data trend for Erste Bank Polska's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Erste Bank Polska Net Loan Chart

Erste Bank Polska Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31,463.25 34,070.82 37,103.38 37,988.10 35,794.11

Erste Bank Polska Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 35,283.15 35,107.88 35,794.11 36,507.62 37,618.53
FRA:BZI
75GF Score
Erste Bank Polska SA FRA:BZI
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Erste Bank Polska Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €37,619 Mil mean?
Erste Bank Polska (FRA:BZI) has a Net Loan of €37,619 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Erste Bank Polska and its competitors.
Is Erste Bank Polska's Net Loan too high?
Erste Bank Polska's current Net Loan is €37,619 Mil. Overall, Erste Bank Polska has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Net Loan compare to PNC?
Erste Bank Polska's Net Loan of €37,619 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Erste Bank Polska and its competitors. Erste Bank Polska's current Net Loan is €37,619 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (FRA:BZI) is currently considered Significantly Overvalued. The stock's GF Value™ is €119.10, compared to a current price of €166.95 — trading 40.2% above its estimated fair value. The current Net Loan is €37,619 Mil. Erste Bank Polska's overall GF Score™ is 75/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Erste Bank Polska (FRA:BZI), the current Net Loan is €37,619 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Erste Bank Polska (FRA:BZI) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of €166.95 is trading 40.2% above its estimated GF Value™ of €119.10. GuruFocus considers Erste Bank Polska to be Significantly Overvalued.

Key valuation signals for FRA:BZI:

  • Net Loan: €37,619 Mil
  • GF Value™: €119.10 vs. price of €166.95 (40.2% above fair value)
  • GF Score™: 75/100 with 9 warning signs

No single metric tells the full story. See the FRA:BZI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Erste Bank Polska Business Description

Other Exchanges BKZHY:USAEBP:Poland
Address Plac Europejski 3A, Warszawa, POL, 00-854
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
75GF Score

Get the complete analysis for FRA:BZI

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€166.95
Price
€119.10
GF Value