• General information
General information

The Polish Bank Association (ZBP)

Self-government organization of banks, established in 1991, founded on the  Chambers of Commerce Charter. Membership in the ZBP is voluntary and open for all  banks created under the Polish law as well as for foreign credit institutions branches  operating  in the Republic of Poland.

Communique of the Polish Bank Association on aid measures taken by banks in connection with the coronavirus disease (COVID-19) pandemic. 

The English version is for information purposes only. Official Communiqué document drawn up in Polish.

This Communication is submitted by banks in the face of the threat of spreading the COVID-19 pandemic, which may have today unpredictable effects on the financial situation of borrowers - bank clients.  
This Communication indicates:

  • recognition by banks as desirable for them to take urgent appropriate and adequate measures to address difficulties in repayment of liabilities to banks which, due to the COVID-19, may be borne by borrowers;
  • assuring clients that the actions taken by banks are aimed at introducing as simplified and deformalized assistance measures as possible for natural and legal persons who are borrowers and in financial difficulties due to the COVID-19;

Considering the above, the banks will take the following actions towards clients in relation to the COVID-19. 

  1. Banks will facilitate in the most simplified way - to the extent permitted by the provisions of the current law – postponement (suspension) of repayment of principal and interest installments or capital installments for a period of up to 3 months and automatic extension by the same period of the total loan repayment period provided extension of the period of validity of loan collateral. The facilitations are to relate to housing loans, consumer loans for individual clients, loans to entrepreneurs and will include on quick consideration of the applications of those clients who justify the need to postpone (suspend) their loan due to their financial situation caused by the COVID-19.
  2. The banks will provide their assistance to all entrepreneurs who had creditworthiness at the end of 2019, who were affected by the effects of the COVID-19 and who are due to renew existing financing in the coming months, in the form of renewal of financing for a period of up to 6 months at the request of the client.
  3. Banks that have a leasing company in their capital group will take action to apply postponement of repayment of leasing installments due from lessees on the same basis as applied by the bank in relation to postponed loan repayment.
  4. Banks that have a factoring company in their capital group will take action to apply postponement of repayments due from customers on a parallel basis to the one applied by the bank in relation to postponed loan repayment.
  5. Banks will not charge fees or commissions for the acceptance and consideration of applications for suspension of repayment of principal and interest installments or principal installments. Banks will enable submission of these applications in a less formalized manner, i.e. without the need to submit additional documents and certificates confirming in detail the current financial and economic situation. Banks will provide the opportunity to submit these applications also via e-mail, electronic banking or telephone according to the forms of communication provided for in the agreement with the bank. Banks will allow the submission of the above mentioned applications in a remote form even if it was not included in the contract with the bank, provided that the customer can be identified.
  6. Banks are ready to launch the process of facilitating access to short-term credit to entrepreneurs to stabilize the financial standing of a client who has been affected by the effects of the COVID-19. Banks are waiting for the quick completion of work initiated in recent days by state authorities and government agencies, which will make possible to offer such assistance. The next communication will provide details on how to facilitate an access to short-term loans.
  7. Banks will take part in works that will allow to increase the maximum amount of contactless payments to PLN 100 in a short time.
  8. The banks, in cooperation with the Cashless Poland Foundation, will take steps to install additional tens of thousands of POS devices in places where payment transactions are carried out.

Banks declare that the provisions of this Communication will be immediately implemented and applied by the banks.
At the same time, the banks call on state authorities to take urgent measures to mitigate the economic effects of the COVID -19 in Poland for entrepreneurs and to ensure the stability of the financial system.

More information: szymon.stellmaszyk@zbp.pl

The statutory tasks of the Association include:

  • Representing  and protecting  common interests of member banks, inter alia with respect to legal regulations related to banking;
  • Delegating representatives to participate in the work of banking operations advisory and evaluating  bodies;
  • Participating in legislative work of  legislatory commissions of the Sejm (the Parliament lower chamber) and the Senate;
  • Cooperating with the National Bank of Poland, the government and the competent ministries in the area of operation of legal regulations applicable to the Polish banking system;
  • Organizing the exchange of information between banks;
  • Promoting of the banking sector and financial services;
  • Constructing of the inter-bank infrastructure;
  • Supporting the standardization of banking products and services;
  • Disseminating of knowledge in the area of banking;
  • Conducting conciliatory proceedings and amicable judicature for banks;
  • Promoting  of good banking practice rules;
  • Supporting professional education;
  • Co-ordinating of training programmes for banking staff.

Banking infrastructure institutions founded on initiative of and in cooperation with the Polish Bank Association:

National Clearing Chamber -KIR SA, 
Banking Telecom Company “Telbank” (currently Exatel);

Credit Information Bureau -BIK SA  (www.bik.pl); 
CERA Central European Rating Agency (currently Fitch Polska SA); 
the Polish Financial Exchange (currently part of CeTO);
the Centre of Banking Law and Information (CPBiI );
and the Warsaw Banking Institute Foundation. 
The Association is also a shareholder of First Data Polska SA (formerly Polcard SA) and  the International School of Banking and Finance in Katowice.

Within the Association there are  numerous consultative committees, councils,  task forces and other bodies.  Their objective is to  develop and issue opinions and positions in matters determining the correct operation of the Polish banking system.

Major bodies operating within The Polish Bank Association:

Supervisory Regulations Advisory Committee; 
Public Relations Council ;

Banking Security Committee ;
Accounting and Taxation Committee ;
Banking Staff and Training Committee; 
Polish Banking Qualification Standards Committee ;
Financial Market Instruments Standards Committee ;
Payment System Committee ;
Technical Committee No. 271 for Banking and Banking Financial Services ;
Depository Banks Council ;
Banking Cards Issuers Council ;
Funds Management Council ;
Polish Committee of SWIFT Users ;
Court of Arbitration;
Banking  Ethics Commission; 
Housing Finance Committee
Acquirers Committee
Commercial Papers Council
Electronic Banking Council
Banking Law Council
Banking Technology Forum

Representatives of the Association participate in work of the Bank Guarantee Fund Council.

The Association of Polish Banks is a member of the European Banking Federation (www.ebf-fbe.eu) /since 1992/, the ICC Poland www.iccpolska.pl /since 2000/, the International Association of Banking Security / since1997/ and the European Payments Council (www.europeanpaymentscouncil.eu) /since 2002/.


The Polish Banks Association is a founder of the prestigious journalistic Marian Krzak award intended for journalists and publicists dealing with the banking issues, and a co-founder of the Marian Kanton award for the best Master and Doctoral thesis in banking, with particular consideration of inter-bank settlements.

In 2000 and 2003, the Association was granted the Alice Award for all its activities, for establishing the institution of the Banking Ombudsman, and for the Campaign for Direct Debit. The ZBP  has also received the “European Pearl” award for the institutional input in the promotion of the European idea in Poland, and in particular for the creation of the Polish banking infrastructure.

The Banker’s Club in Warsaw (www.klubbankowca.pl) is managed by the Association.


The changes of social, economic, political and technological nature that we are currently observing in numerous countries are taking place at a very fast pace. Unfortunately, the contemporary world is rocked by a number of clashes and tensions of economic and territorial character. Confl icts and disputes of a purely political variety are observed as well, with all of them exerting a highly negative impact on international cooperation, security and global economic order. With all those circumstances taken into consideration, forecasting the scenarios based on which individual countries will be developing becomes a very diffi cult task that requires a number of processes of both intra-continental and global nature to be taken into account.

The “Poland and Europe - Challenges and Limitations” report should be treated as an introduction and invitation to a broader discussion concerned with topics that are of great significance from the point of view of Polish citizens and the national economy. These topics are related to the much needed increase in the capacity of the Polish banks and of other related institutions to participate in the implementation of national and regional development programs, with the security of deposits and the stability of fi nancial institutions that play such an important role in market economy taken into consideration as well.

Download file Poland and Europe - Challenges and Limitations - September 2019