2025-09-23 18:00
publication
2025-09-23 18:00
At the end of July, the assets of the Polish banking sector amounted to PLN 3.511 trillion. Compared to the level of last month, they decreased by PLN 64.6 billion (-2.3 pp.). The banking sector assets currently constitute 92.32% of GDP.
Debt instruments remain the dominant part of the banking sector's assets. Debt instruments are responsible for 35.55% of assets. Loans for non -financial sector constitute only 33.8% of bank assets.
21.15% are the Treasury bonds, while 9.07% are the NBP instrument (mainly cash vouchers). The remaining part of debt instruments are mainly JST bonds and corporate bonds.
In 2025, a significant part of the Covid PFR and BGK bonds fall. Despite this, the decrease in these debt instruments guaranteed by the State Treasury is compensated by the increase in tax securities in the assets of banks. In 2025, debt instruments in banks' assets increased by PLN 140 billion, with an increase in loans for the non -financial sector at the level of PLN 43 billion and an increase in investment loans at the level of PLN 0.38 billion.
Consequently, in 2025, decreases in the real value of the loan portfolio for the non -financial sector are continued, which decreased to 31.2% of GDP.
The current banking tax formula intensifies the effect of deformation of the bank assets structure.
