Banks have PLN 508 billion capacity
20:00
Polish banks have capacity to increase financing of the economy by about PLN 508 billion, according to an analysis by the Polish Bank Association. The estimate is up from PLN 460 billion reported by the association in February. ZBP said Poland’s investment needs could reach PLN 4 trillion by 2040, while the current annual investment gap is approximately PLN 170 billion.
The association pointed to Poland’s low loan-to-deposit ratio as evidence of unused lending potential. The ratio stood at about 57.7 percent in the second quarter of 2026, compared with an EU-27 average of 106.1 percent, based on European Central Bank data. ZBP calculated that matching the EU average would imply a loan portfolio larger by PLN 1.08 trillion. It added that major infrastructure and energy projects will nevertheless require the banking sector to strengthen its capital base over time.
