Erste Bank Polska (LTS:0DVR) Net Loan: zł157,216 Mil (As of Mar. 2026)

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LTS:0DVR Erste Bank Polska SA LTS:0DVR
79 GF Score
Price zł395.55
GF Value zł351.83
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Erste Bank Polska Net Loan?

Erste Bank Polska LTS:0DVR 79 Net Loan is zł157,216 Mil as of Mar. 2026. GuruFocus rates LTS:0DVR with a GF Score™ of 79/100 and a GF Value™ of zł351.83 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Erste Bank Polska's quarterly net loan increased from Sep. 2025 (zł151,188 Mil) to Dec. 2025 (zł154,144 Mil) and increased from Dec. 2025 (zł154,144 Mil) to Mar. 2026 (zł157,216 Mil).

Erste Bank Polska's annual net loan increased from Dec. 2023 (zł159,782 Mil) to Dec. 2024 (zł154,144 Mil) but then declined from Dec. 2024 (zł154,144 Mil) to Dec. 2025 (zł157,216 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 135,493.18 146,722.43 159,781.81 163,591.76 154,143.59

Erste Bank Polska Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 164,240.71 151,943.17 151,188.38 154,143.59 157,216.22
LTS:0DVR
79GF Score
Erste Bank Polska SA LTS:0DVR
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 zł157,216 Mil mean?
Erste Bank Polska (LTS:0DVR) has a Net Loan of zł157,216 Mil as of Mar. 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 zł157,216 Mil. Overall, Erste Bank Polska has a GF Score™ of 79/100 and is considered Modestly 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 zł157,216 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 zł157,216 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 (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł351.83, compared to a current price of zł395.55 — trading 12.4% above its estimated fair value. The current Net Loan is zł157,216 Mil. Erste Bank Polska's overall GF Score™ is 79/100 with 8 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 (LTS:0DVR), the current Net Loan is zł157,216 Mil as of Mar. 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 (LTS:0DVR) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of zł395.55 is trading 12.4% above its estimated GF Value™ of zł351.83. GuruFocus considers Erste Bank Polska to be Modestly Overvalued.

Key valuation signals for LTS:0DVR:

  • Net Loan: zł157,216 Mil
  • GF Value™: zł351.83 vs. price of zł395.55 (12.4% above fair value)
  • GF Score™: 79/100 with 8 warning signs

No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Erste Bank Polska Business Description

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.
79GF Score

Get the complete analysis for LTS:0DVR

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

zł395.55
Price
zł351.83
GF Value