Poland: Bank credit to the private sector

* indicates monthly or quarterly data series
 Poland

Bank credit to the private sector as percent of GDP

 Latest value 39.74
 Year 2022
 Measure percent
 Data availability 1990 - 2022
 Average 34.76
 Min - Max 12.87 - 54.72
 Source The World Bank
For that indicator, we provide data for Poland from 1990 to 2022. The average value for Poland during that period was 34.76 percent with a minimum of 12.87 percent in 2002 and a maximum of 54.72 percent in 2016. The latest value from 2022 is 39.74 percent. For comparison, the world average in 2022 based on 148 countries is 54.21 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
Poland - Bank credit to the private sector - Recent values chart

Historical chart
Poland - Bank credit to the private sector - historical chart - 1990-2022




Bank credit in Poland and other countries is defined as the credit extended by the banking institutions to the private sector only: both firms and households. It does not include lending to the government.

Credit is essential for the economy to function well. It funds new investments and allows people to purchase houses, cars, and other items. Of course, excessive lending and borrowing usually end up in financial crises but, in principle, credit availability is good for economic development.

If the banking credit to the private sector is about 70 percent of GDP and more, then the country has a relatively well developed financial system. The amount of credit can even exceed 200 percent of GDP in some very advanced economies. In some poor countries, the credit could be less than 15 percent of GDP. In these countries, firms and households essentially do not have access to credit for investment and various purchases.
Definition: Domestic credit to private sector by banks refers to financial resources provided to the private sector by other depository corporations (deposit taking corporations except central banks), such as through loans, purchases of nonequity securities, and trade credits and other accounts receivable, that establish a claim for repayment. For some countries these claims include credit to public enterprises.

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Banking crises

Types of financial institutions



 Related indicators Latest value Reference Measure
 ATMs per 100,000 adults 66.82 2021 ATMs per 100,000 adults
 Bank accounts per 1000 adults 1,274.18 2021 bank accounts
 Bank branches per 100,000 people 23.21 2021 bank branches
 Firms using credit to finance investment 48.80 2019 percent
 Small firms with bank credit 33.90 2019 percent
 Percent people with credit cards 24.44 2021 percent
 Percent people with debit cards 83.93 2021 percent
 Domestic credit to the private sector 50.03 2020 percent
 Bank credit to the private sector 39.74 2022 percent
 Liquid liabilities, percent of GDP 75.70 2021 percent
 Bank assets to GDP 65.81 2021 percent
 Financial system deposits, percent of GDP 62.21 2021 percent
 Bank credit to government 23.06 2020 percent
 Banking system concentration 49.90 2021 percent
 Foreign bank assets 76.00 2013 percent of total bank assets
 Percent people with bank accounts 95.72 2021 percent
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