The banking sector is undergoing a revolution that will completely reshape it. As technology advances and expectations change, banks must adapt to the new reality to remain competitive, provide excellent service to their customers and deliver results that satisfy investors.
To do this, they need up-to-date information about events in the financial world. About trends, changes, new regulations, plans, challenges and prospects.
Banking: Today and Tomorrow is our overview of the financial industry. Created by and for professionals, it has everything you need to help you keep your finger on the pulse of banking.
On 12 February 2026, the Court of Justice of the European Union (CJEU) issued a judgment concerning the use of the WIBOR index in loan agreements. The CJEU judges confirmed that, in consumer cases, courts cannot examine the correctness of the WIBOR calculation. The banks had correctly informed their clients about the reference rate in accordance with national and EU law.
The Polish banking sector is undergoing intense reshuffling on a scale not seen for years. Large banks are changing owners, foreign players are shifting their strategies and new investors are entering the market. The question is whether these are just temporary shifts in capital or the beginning of lasting change in the industry’s balance of power.
On 1 January, new regulations came into force that increased the income tax rate paid by banks. The rate will be 30% in 2026. However, entities starting their business, credit and savings unions (SKOKs), small entities, and banks undergoing restructuring will pay less.
The European Commission’s new digital package provides an opportunity to accelerate innovation, including in banking.
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.
According to estimates by the Polish Bank Association (ZBP), the last four months of 2025 may bring banks operating in Poland another PLN 10 billion in profits. This would set a new record, probably marking the last such good year. Forecasts for 2026 suggest that bank profits will decline to PLN 35 billion.
Proposing to raise CIT only for the banking sector is harmful and discriminatory. It is also short-sighted, and the highest price will not be paid by banks, but by millions of Poles saving for retirement and by the entire Polish economy, which is facing enormous investment challenges.
The banking sector is undergoing a period of intense regulatory and technological change, as it attempts to balance consumer needs with financial stability. Effective implementation of new regulations while maintaining market competitiveness will be paramount.
Banks are focusing on ‘green’ entrepreneurs. Are they more willing to finance such investments?
Geopolitical turbulence will have a significant impact on the economy, including the Polish financial market, which, however, is well prepared for these global challenges.
European Economic Congress 2025: Banks have capital and are ready to finance Poland’s economic growth.
Polish banking sector under pressure and Polish economy facing major challenges
Is the Swiss franc mortgage bomb still ticking? A worrying report
KS NGR has selected the name POLSTR for the proposed benchmark, previously known by the technical name WIRF
The year 2024 belonged to the banks. The National Bank of Poland showed how much their profits increased.
Banks should protect customers from fraud. UOKiK has issued recommendations.
The Ministry of Justice has drafted a bill that will ultimately improve the resolution of conflicts between CHF mortgage borrowers and banks.
The Ministry of Finance is working on changes to the bank tax structure that will make it more profitable for banks to provide strong financing to the economy.
All indications are that Poland will stand firmly behind the WIBOR. Indeed, the main state institutions are defending the legality, correctness and transparency of this index.
WIBOR-indexed mortgages could go the way of CHF mortgages. Key ruling for millions of borrowers.
Challenging WIBOR could ruin our economy
WIBOR more difficult to manipulate than appears.
Undermining WIBOR would be a blow to the economy.
Disputed WIBOR mortgages. Financial Ombudsman leaves both sides dissatisfied
Can banks meet the credit needs of the Polish economy?
Banking sector appeal on credit holidays and Borrower Support Fund
NBP: Banking sector’s net profit in Jan-Nov 2023 reached PLN 27.56 billion, up 113.2%.
Jacek Jastrzębski has been appointed to head the Polish Financial Supervision Authority (KNF) for another five-year term.
“2% Safe Mortgage” with a new index. Borrowers may not like it
Poles’ appetite for ‘Safe Mortgages’ is growing, with agreements worth almost PLN 7 billion already signed. “We will increase the fund if necessary”.
Zloty on the floor after MPC decision. What’s next for the Polish currency?
Fourteen banks will soon be offering the 2% Safe Mortgage, and Home Savings Accounts are already operational in two banks
The highlights the banking industry is talking about
The recent high-profile judgments of the Court of Justice of the European Union of 15 June 2023 (C-520/21 and C-287/22) on the issue of CHF mortgage agreements may have a significant impact on Polish financial institutions.
An overview of the banking sector | The highlights the industry is talking about
An overview of the banking sector | The highlights the industry is talking about
A look at the current situation in the financial sector shows that banks urgently need a number of systemic solutions.
Banking: today and tomorrow | An overview of the banking sector | The highlights the industry is talking about
The lowest, minimum buffer level (2.5 p.p.) should apply to credits with a periodically fixed interest rate and should be appropriately higher for credits with a variable interest rate, said the KNF, softening its position due to the lower risk of rising interest rates.
Lawmakers should introduce EU rules, adapting their structure and terminology to national laws to enable their effective application.
The costs of involving a borrower in a dispute are low in relation to potential benefits but rarely do people see that, if they lose in court, the financial consequences can be much more serious.
On 19 October 2022, the Polish Financial Supervision Authority (KNF) adopted Recommendation A on derivative activity risk management by banks, which have replaced the previous 2010 recommendation.
What rules are changing and what do banks need to be prepared for?
