Second best year ever. How many bonds did Poles buy?

Sales of retail bonds in December amounted to PLN 5.35 billion compared to PLN 5.1 billion a month earlier, the Ministry of Finance said in a statement. Throughout 2025, the Ministry of Finance sold retail securities for PLN 74.9 billion – this was the second result in history after PLN 82.6 billion in 2024, PLN 48.7 billion in 2023 and PLN 57.1 billion in 2022.

In December, he sold bonds: 3-month (OTS0326) – PLN 206.2 million, 1-year (ROR1226) – PLN 1,676.1 million, 2-year (DOR1227) – PLN 249.1 million, 3-year (TOS1228) – PLN 1,715.3 million, 4-year (COI1229) – PLN 601.8 million, 10-year (EDO1235) – PLN 793.5 million.

For the purchase of ROS and ROD family bonds dedicated to program beneficiaries Family 800+ customers spent PLN 109 million in December.

Family bonds are addressed exclusively to people receiving benefits under the Family 800+ program who want to save for the future needs of their children. Beneficiaries of the program may purchase this type of bonds up to the amount of the child benefit granted. Family bonds are available for continuous sale, so they can be purchased at any time.

Throughout 2025, the Ministry of Finance sold retail securities for PLN 74.9 billion (average PLN 6.2 billion/month) – this was the second result in history after PLN 82.6 billion in 2024.

The sales value of individual types of bonds in 2025 amounted to: 3-month – PLN 2,306.5 million, 1-year – PLN 26,549.0 million, 2-year – PLN 3,893.9 million, 3-year – PLN 27,782.1 million, 4-year – PLN 7,738.3 million, 10-year – PLN 5,598.2 million PLN, Family bonds – PLN 1,040.9 million.

The importance of the Savings Treasury Bonds brand is systematically growing and building trust among customers. In 2025, retail bonds achieved the second highest sales result in history – nearly PLN 75 billion. We are pleased with this result, because it shows that over the years we have developed a set of instruments dedicated to households, which has become an important element of the savings market in Poland. It is worth noting how large this increase has been over 10 years – since 2015 (3.2 billion bonds sold), the sales of our bonds have increased over 23 times to the level of nearly PLN 75 billion in 2025 – comments Jurand Drop, Undersecretary of State at the Ministry of Finance.

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