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Banking in Poland - statistics & facts

The year 2020 was dominated by the coronavirus (COVID-19) pandemic. However, the Polish economy remained relatively stable during this challenging period, which was reflected in a moderate decline in the gross domestic product (GDP) compared to European countries. From a bank operations point of view, labor market improvement was also crucial, with an increase in the number of people employed and the average salary. The banking sector plays an important role in such an economy, and is an economic driver of growth and development. Moreover, non-cash payments, particularly online and mobile banking, card, and contactless payments, are gaining popularity in Poland.

Polish banking sector

The largest bank in Poland is PKO BP. In terms of total assets, PKO BP was the leader reaching over 346 million zloty in 2020. During this period, the bank also enjoyed great interest from customers. It had over 11 million commercial and retail clients, almost twice as much as Bank Pekao and Santander BP. Moreover, year after year, more people decide to open a personal bank account. In 2020, Alior Bank achieved the highest annual growth of newly established personal accounts, increasing by almost half a million bank accounts. Overall, the whole banking industry reached a net financial profit of 7.2 billion zloty that year.

Digital payments

In 2020, PKO BP and Inteligo had over nine million customers with access to internet banking. However, the number of active internet banking users per month did not exceed four million in any banks except PKO BP and Inteligo. More and more Poles are becoming active users of mobile banking applications. The number of active users increased by 18 percent in a year, reaching over 14.1 million users in the fourth quarter of 2020. Active online banking consumers made nearly seven bank transfers on average in the fourth quarter of 2020.
In 2019, nearly 43 million payment cards were issued in Poland. The popularity of payment cards, cashless payments at POS terminals, and card payments executed via the Internet increased in recent years. Additionally, nearly 93 percent of cashless transactions were contactless in the second quarter of 2020. Poles usually use payment cards, phones, and wearable devices for contactless transactions.

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