Banking in Poland - statistics & facts

2019 was characterized by good macroeconomic conditions for conducting banking business in Poland. It was one of the fastest-growing economies in the European Union that year, with gross domestic product (GDP) having grown by 4.1 percent. 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 317 million zloty in 2019. During this period, the bank also enjoyed great interest from customers. It had over 10 million commercial and retail clients, almost twice as much as Bank Pekao and Santander BP. Year after year, more people decide to open a personal bank account. In 2019, Bank Millennium achieved the highest annual growth of newly established personal accounts, increasing by almost one million bank accounts. Overall, the whole banking industry reached a net financial profit of 14.68 billion zloty that year.

Digital payments

In 2019, PKO BP had almost nine million customers with access to internet banking. However, the number of active internet banking users per month did not exceed three million in any banks. More and more Poles are becoming active users of mobile banking applications. The number of active users increased by over three million in a year, reaching over 12 million users in the first quarter of 2020. The frequency of banking application use was higher than that of the traditional transfer in 2019. Almost 50 percent of Poles who had banking applications used them a few times a week, while active online banking consumers made six bank transfers on average in the first 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, more than 89 percent of cashless transactions were contactless in 2019. Poles usually use payment cards, phones, and watches for contactless transactions.

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Banking in Poland

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Internet and mobile banking

Cards and cashless payments

Credits and loans

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