President in favour of raising CIT for banks
On Thursday evening, the President’s Office announced that the President had signed an amendment to the Corporate Income Tax Act and the Act on Tax on Certain Financial Institutions. The CIT rate for banks, currently at 19%, will increase to 30% in 2026, 26% in 2027, and then to 23% from 2028 onwards.
Source: Prawo.pl
Higher CIT for banks is bad news for customers and the economy
On Thursday, 27 November, the President signed a bill amending the Corporate Income Tax Act and the Act on Tax on Certain Financial Institutions. The bill imposes a significantly higher CIT burden on the banking sector. “Unfortunately, we consider the President’s decision to be a regrettable one. This is all the more surprising given that the act is unconstitutional,” said Dr Tadeusz Białek, President of the Polish Bank Association.
Source: Związek Banków Polskich, ZBP – ustawa CIT
Bankers want the balance theory to be included in the special CHF Mortgage Act
There has been apparent calm surrounding the CHF Mortgage Act for several weeks now, as the Sejm has been busy working on the budget and has not had much time to deal with the draft prepared by the Ministry of Justice. However, bankers have just submitted their opinion on the draft, explicitly requesting that Polish courts be required to apply the balance theory. This is also a matter of suspending legislative work in anticipation of future rulings by the Court of Justice of the European Union that are expected to be more favourable to banks.
Source: Prawo.pl
CJEU: Important ruling for borrowers. Banks cannot charge customers court costs
The Court of Justice of the European Union has ruled that consumers cannot be charged the costs of legal proceedings initiated by a bank to recover payments under an invalidated CHF mortgage loan agreement. This case was referred to the CJEU by the Regional Court in Warsaw.
Source: Bankier.pl
The European Commission’s new digital package provides an opportunity to accelerate innovation, including in banking
On 20 November 2025, the European Commission announced a ‘digital omnibus’ package on data, artificial intelligence and cybersecurity. This is one of the most comprehensive regulatory initiatives in recent years, aimed at unlocking innovation and streamlining EU regulations. Although the changes are horizontal, they may be of great importance, especially in the financial sector, where data processing and analysis are particularly crucial. This is thanks to the GDPR’s increased flexibility and the introduction of practical rules for the use of artificial intelligence, as Piotr Gałązka explains.
Source: Bank.pl
Poles are going for a record. Sudden revival in loans
After picking up in Q2 of 2025, the loan market has continued to grow. From July to September, banks in Poland granted 64,800 housing loans, totalling PLN 29.2 billion. This represents increases of 41.2% and 51%, respectively, compared to the same period a year earlier, according to the AMRON-SARFiN report. Overall in 2025, banks are expected to grant approximately 225,000 such loans.
Source: Money.pl
Another bank in Poland to be taken over? A surprising move on the stock exchange
The Polish banking sector is heating up again in terms of shareholding changes. Following the takeover of VeloBank by Cerberus, and with UniCredit and Erste also entering the market, investors on the Warsaw Stock Exchange are anticipating another potential transaction. The share price of one of the banks has recently risen sharply, although this is not a typical takeover play, and fundamental factors are also important.
Source: Business Insider
Incorrect transfer, correct account number, black hole. Does the bank have to verify the details?
Every transfer order form has fields for entering the payee’s details. However, they might as well not be there, being irrelevant to the execution of the order. This was confirmed by the Supreme Court in a ruling on payment fraud.
Source: Bankier.pl
Banks increasingly willing to finance armaments in Europe
Banks are increasingly viewing defence as a sector offering high and long-term profitability, supported by steadily growing public spending, writes Witold Gadomski. According to the Defence24.com portal, European governments are willing to accept private financing of armaments due to overburdened budgets. Start-ups and small and medium-sized enterprises, whose activities are largely based on costly research and development, are the worst affected by the funding gap. A study by the Directorate-General for Defence Industry and Space (DG DEFIS) estimates this funding gap to be at least EUR 3–4 billion. Similar challenges exist in expanding production capacity, where funding consistently fails to keep pace with the growing demand for military equipment.
Source: Bank.pl
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See also
Banking today and tomorrow | An overview of the banking sector | November 2025
