Banking sector overview | Banking today and tomorrow | November 2025
The Monetary Policy Council has made a decision on interest rates. We now know what will happen to loan repayments
Millions of Poles have been eagerly awaiting this decision, hoping that it will reduce their repayments. Interest was so high that the National Bank of Poland’s website crashed temporarily on Wednesday. The Monetary Policy Council has decided to cut interest rates by 0.25 percentage points, despite most economists expecting them to remain unchanged. This decision was influenced not only by the decline in inflation in October, but also by NBP analysts’ new inflation projections.
Source: Business Insider
Deregulation for cooperative banks. The government has adopted a draft
Resolving a number of issues raised by the cooperative banking sector – this is the aim of the deregulatory draft amendment to the Act on the functioning of cooperative banks, their association and associating banks (UDER59). The proposed regulations were developed by the Ministry of Finance and have now been adopted by the Council of Ministers.
According to the regulatory impact assessment (RIA), the draft will affect all 489 cooperative banks in Poland. The Ministry of Finance explains that, even though it has been in force for 25 years, the act regulating their operation has not been thoroughly amended so far.
Source: Prawo.pl
From January 2026, card payments above this amount will be reported
From 1 January 2026, tax authorities will have access to additional monitoring tools. Despite already using advanced mechanisms which enable almost automatic transaction verification such as the STIR system and the DAC7 directive, the scope of supervision will be significantly expanded. From 2026 onwards, the tax authorities will receive data on card payments exceeding a set threshold, and businesses will be required to report such information more widely.
Source: Infor.pl
CJEU: Four new requests for a preliminary ruling from Poland on the sanction of free credit
The District Court in Brodnica has asked the Court in Luxembourg about cases in which customers may benefit from the sanction of free credit. However, the Polish court has serious doubts as to whether even a minor breach of the information obligation, which is of little significance to the customer’s decision to take out a loan, should result in the bank or loan company being subject to the most severe sanctions.
Source: Prawo.pl
“A complete misunderstanding.” The president of the Polish Bank Association explains whether or not banks are making huge profits
The average margin on mortgage loans is currently 1.56%, which is below the EU average. Higher margins can be found in countries such as Germany and the Netherlands, says Tadeusz Białek, President of the Polish Bank Association, in an interview with money.pl.
Source: Money.pl
Financing the construction and operation of nuclear power plants is set to become easier
According to an entry by the Ministry of Energy in the government’s work schedule, the government is set to commit itself in a resolution to measures that will improve access to sustainable financing for investments in large-scale nuclear energy and SMRs in Poland. The draft resolution is related to the EU taxonomy.
Source: Bank.pl
Banks are supporting Poland’s green transition
The first consortium agreement in Poland, between PKO BP and BGK in the biogas and biomethane sector, could accelerate the development of renewable energy sources and strengthen national energy independence.
Source: Wprost.pl
Why are banks eager to form fintech alliances?
Following the launch of Samsung Pay in Poland, the country’s largest banks almost simultaneously announced their collaboration with the South Korean tech giant. Although there is no shortage of similar mobile payment services, financial institutions’ enthusiasm is no accident. Who really profits from mobile payments?
Source: Rzeczpospolita
European banks are getting involved in cryptocurrencies
According to CCN.com, a website dedicated to cryptocurrencies, an increasing number of European banks are realising that storing and trading in cryptocurrencies could generate additional income. Until recently, only small, private investment banks serving wealthy clients were involved in this in Europe. However, this situation has begun to change in recent years.
Source: Bank.pl
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See also
Banking today and tomorrow | An overview of the banking sector | October 2025
