PwC – Major Banks Analysis Half‑Year, May 2025

The main theme of the report is the analysis of major banks' performance in uncertain times, focusing on the balance between stability and agility.

Key findings include resilient but pressured bank results, a slight increase in net interest income (NII) amid loan growth and stable net interest margin (NIM), stable return on equity (ROE) at 11.2%, increased operating expenses due to investments in technology and personnel, and a decline in other operating income (OOI) with pressure on lending margins due to competitive dynamics.