It will be easier to obtain loans, not only due to lower interest rates. Good news from banks
In the second quarter of 2025, banks plan to maintain their approach of loosening lending criteria for households and SMEs, while tightening them for large companies in the case of short-term loans. According to a cyclical survey by the National Bank of Poland, banks are anticipating an increase in demand for all types of loans, with consumer loans expected to be the most in demand.
Source: Business Insider
A huge transaction. A large bank in Poland is changing owners
Erste Group is set to invest a total of EUR 7 billion to assume control of Santander Bank Polska and its investment fund company. The Austrians will therefore become the bank’s largest shareholder.
Source: Money.pl
Banks oppose bogus law firms. ZBP comments on the opinion of the Advocate General of the CJEU
Consumers should always be aware of the consequences of signing an assignment agreement, according to the Polish Bank Association (ZBP). In its commentary on Wednesday’s opinion of the Court of Justice of the European Union, ZBP suggests eliminating the mass trading of consumer claims by entities specialising in buying these claims from consumers for a fraction of their value.
Source: Business Insider
Banks to close accounts of deceased more efficiently
Banks will be able to close dormant accounts belonging to deceased persons more quickly. They will be able to obtain from the PESEL register not only information on the death of the account holder, but also the date of death, and so will also no longer have to search for data on closed or expired accounts in the distant past. This is provided for in the draft amendment to the Banking Law and the Population Registration Act.
Source: Prawo.pl
In the absence of separate consent, the bank and the BIK must delete the data of former clients who are sole traders
Once the loan has been repaid and the agreement between a bank and a sole trader has expired, the bank will no longer be able to process the sole trader’s personal data, including making it available to the Credit Information Bureau (BIK), for the purpose of assessing creditworthiness or analysing credit risk, without the sole trader’s consent.
Source: Rzeczpospolita
Money transfer frauds on the rise. Social engineering scams predominate
The National Bank of Poland has published a report on fraud in the Polish financial services market in Q4 2024. The document contains statistics on card fraud reported by both clearing agents (e.g. terminal operators) and banks (i.e. card issuers). The report also includes data on fraud involving wire transfers.
Source: Cashless.pl
Deputy Finance Minister on bank lending to the economy
Capital is blood, and banks are the circulatory system of the economy, providing capital to businesses, both working capital and, above all, investment capital, says Jurand Drop, Undersecretary of State at the Ministry of Finance.
Source: Bank.pl
Banks have money, but they are not sitting on it
Most Polish companies do not invest because they do not need to, not because of a lack of access to finance. Meanwhile, the PLN 21 billion that banks will allocate to increasing their equity in 2025 will increase their potential to lend to the economy by PLN 118 billion.
Source: Puls Biznesu
European Economic Congress 2025: Banks have capital and are ready to finance Poland’s economic growth
The Polish banking sector, whose profits reached a record high of PLN 42 billion in 2024, has capital and is ready to finance ambitious investments, including via EU reindustrialisation programmes. The problem, however, according to experts, is the lack of stable, long-term investment plans and the reluctance of entrepreneurs to take on debt.
Source: PAP
Banks’ windfall profits are temporary, no justification for additional tax – ZBP
Recently, there have been statements by politicians that the banking sector has extraordinary profits that should be subject to an additional tax. According to Tadeusz Białek, President of the Polish Bank Association, this is a temporary situation and there is no other sector that supports the state to such an extent in terms of taxes. Last year, the financial sector paid over PLN 24 billion to the state budget. Every fourth zloty of corporate income tax paid to the state budget came from banks. The sector contributed over 13.5 billion in CIT, almost 6 billion in bank tax, and paid 3.5 billion in dividends, as banks are 50 % controlled directly or indirectly by the State Treasury.
Source: Strefa Inwestorów
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See also
Banking today and tomorrow | An overview of the banking sector | April 2025
