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Poland Retail Banking: Opportunities and Risks to 2023

March 2020 | 41 pages | ID: P847FC60E7E9EN

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Poland Retail Banking: Opportunities and Risks to 2023


The Total loan balances outstanding (including residential mortgage balances outstanding, personal loans and credit cards) in Poland grew at a compound annual growth rate (CAGR) of 5.0% during 2014-18, to reach PLN719,905m ($192,143m). Growth can be attributed to a robust economic situation, driving strong employment and higher private consumption. Home loan balances outstanding accounted for 60.9% of the total balances outstanding in 2018, followed by personal loans (37%) and credit card balances outstanding (2%). The personal loans market grew the fastest during the five-year review period, driven by higher private consumption.
This trend is expected to continue over the forecast period (2019-23), as macroeconomic conditions are expected to remain conducive to consumer spending. PKO Bank, Santander Bank Polski and Bank Pekao are the top three banks in the country. Santander Bank Polski witnessed strong growth in its market share across all products during the review period. The Polish retail deposits market recorded a healthy CAGR of 8.2% over 2014-18, despite the country having the lowest savings rate in Europe. Poles prefer to keep their funds in short-term deposits. The market is expected to record slower growth, with a CAGR of 5.7% over 2019-23.
Based on our proprietary datasets, this report analyzes the Polishlending market, with a focus on the consumer lending segment. The report discusses in detail the credit card, personal, and mortgage loan markets, covering market size, competitors’ market shares, and survey insights. The report also provides a market overview and insights on the retail deposit segment. In addition, it covers the key digital disruptors in Polish retail lending segment

  • Residential mortgage loans in Poland registered a high CAGR of 4.5%, as demand for housing remained high. Furthermore, government subsidies to help first-time buyers in housing purchases fueled demand for housing over the review period.
  • The personal loan market in Poland grew at a CAGR of 5.9% during 2014-18, the highest growth rate compared to the mortgage and credit card markets. Higher private consumption, positive labor market conditions and a declining lending rate all contributed to the growth of the personal loan market in Poland.
  • Credit card debt in Poland recorded a review-period CAGR of 3.9%, reflecting their low penetration in Poland. Poles prefer to make payments via bank transfer and mobile payment solutions for online transactions.
  • Make strategic decisions using top-level historic and forecast data onthe Polishretail lending industry.
  • Identify the most promising lending segment.
  • Receive detailed insights into lending in Poland, including consumerlending.
  • Understand the changing market and competitive dynamics by learning about new competitors and recent deals in the retail lending space.
  • Receive comprehensive coverage of the retail deposit market in Poland.
Macroeconomic Overview
Consumer Lending: Mortgage Loans
Consumer Lending: Personal Loans
Consumer Lending: Credit Card Loans
Retail Deposits
Digital Disruptors
Recent Deals


PKO Bank
Bank Pekao
Santander Bank Polski
Getin Bank
Bank Millennium
ING Bank Slaski
BGZ BNP Paribas
Alior Bank
Citibank Handlowy
Cream Finance

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