Poland: loans and advances to large corporations 2024| ��ƽ��

Gross loans and advances to large corporations in Poland from 2010 to 2024, by loan type (in million zloty)

Characteristic	Operational loans	Investment loans	Real estate loans	Other advances
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Release date

2025

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Region

Poland

Survey time period

December 2010 to December 2024

Supplementary notes

* Large corporations: An entity or a natural person, where the number of employees at the end of the last financial year was at least 250 persons.
** Not including banks in bankruptcy.
Source: https://www.nbp.pl/homen.aspx?f=/en/statystyka/naleznosci/naleznosci.html

Citation formats

Poland's loan market is changing significantly, with demand varying across different sectors and loan types. In the first quarter of 2025, banks are expected to ease criteria for consumer and short-term loans to small and medium-sized enterprises (SMEs), while tightening standards for short-term loans to large enterprises. This comes as the housing loan sector faces a notable decline in demand, contrasting sharply with the prominent growth seen in previous years.

Housing market dynamics

Despite the projected decrease in housing loan demand for early 2025, the sector has shown remarkable strength in the previous years. In 2024, housing loans in Poland reached over *** billion zloty, marking the highest increase among all private loan types. This growth aligns with the total outstanding debt of Polish households under housing loans, which amounted to *** billion zloty in 2024, representing a *** percent increase from the previous year.

Divergent trends in enterprise lending

Small and medium-sized enterprises are expected to see increased access to short-term financing. In 2024, SMEs received the highest amount of loans in investment and operational loans, totaling **** and **** billion zloty respectively. Meanwhile, large corporations experienced a decrease in loans compared to the previous year, with operational loans reaching approximately ** billion zloty.