Financial assets are assets accumulated by households in the form of cash, savings deposits, insurance policies, voluntary pension programs, shares in investment funds, shares and bonds and other financial assets and receivables from loans granted to private individuals.
According to the study published by PFR, their total value in households at the end of the second quarter of 2025 was PLN 3 trillion 597 billion 256 million PLN. Assets rose for the twelfth quarter in a row to their highest levels ever. On an annual basis, the increase was 10.7%, and on a quarterly basis it was 2.4%. (an increase of PLN 83.6 billion).
Read also: Surprising data about Poles' savings. A change in approach is visible [BADANIE]
It was added that the largest increase in the value of assets was recorded in current deposits (PLN 23.8 billion), pension rights (PLN 22.3 billion) and cash (PLN 19.1 billion). The following places were taken by: unlisted shares (PLN 15.38 billion), shares in funds other than money market funds (PLN 14.83 billion), listed shares (PLN 12.14 billion), long-term loans and credits (PLN 7.67 billion), short-term credits and loans (over PLN 2 billion).
“The increase in assets confirms, on the one hand, the continuing increase in assets, including PPK and OFE, and on the other hand, it indicates bank accounts and cash as the main ways to save money” – indicated.
It was further reported that value of net financial assets of households (assets less liabilities) amounted to at the end of the second quarter of 2025. PLN 2 trillion 752 billion 529 million PLN. Year to year it was an increase of 13.5%. Compared to the first quarter of this year. this increase was 3.2 percent.
Financial assets of households
|
PFR / pfr.pl
Highest savings rate since 2020
PFR reported that the household savings rate in Poland in 2024 was at the highest level since 2020.
“The savings rate of Polish households, representing what percentage of disposable income remains after meeting consumption needs, was 7.8 percent. It was the highest reading since 2020 (12.8 percent) and at the same time one of the highest readings in the history of available data,” it was reported.
It was also noted that despite significant improvement compared to recent years, we are still a long way short of the EU leaders. The leaders in 2024 were: Germany (20%), the Czech Republic (19.9%), Malta (18.8%), Hungary (18.6%), Sweden (18.2%).
The study also stated that value of PPK assets in October this year exceeded PLN 42.6 billion. On a monthly basis, it was an increase of 4.1%. (PLN 1.7 billion), and in the year it was 48.3 percent.
Funds from PPK participants accounted for 52.3%. PPK assets, employers – for 39.8 percent, and the state – for 7.9 percent. assets. Added that participation in PPK increased to 55.3% at the end of September, and the number of active accounts was over 4.97 million.
