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Consumer Credit in Poland

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    Report

  • 14 Pages
  • January 2025
  • Region: Poland
  • Euromonitor International
  • ID: 2069026
In 2024, consumer credit in Poland saw the value of consumer credit gross lending in 2024 impacted by rising household incomes and demand for financing the purchases with credit cards. Also influencing the category’s progress in 2024 were lower inflation rates than in 2023, real GDP growth stimulated by private consumption and public spending, low unemployment, and a rise in wages, with the latter supporting creditworthiness and more Poles willing to take out consumer loans.

The Consumer Credit in Poland report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Consumer Credit market
  • Pinpoint growth sectors and identify factors driving change
  • Understand the competitive environment, the market’s major players and leading brands
  • Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

KEY DATA FINDINGS
2024 DEVELOPMENTS
  • Consumer credit derives stability from broader economic factors in 2024
  • Consumer credit dominated by mainstream credit providers
  • Online shopping drives overall growth
PROSPECTS AND OPPORTUNITIES
  • Younger consumers will continue to shift towards BNPL and online loans
  • Stricter requirements on alternative providers will shape the industry
  • New directive aims to make borrowing safer for consumers
CATEGORY DATA
  • Table 1 Consumer Credit: Outstanding Balance by Category: Value 2019-2024
  • Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2019-2024
  • Table 3 Consumer Credit: Gross Lending by Category: Value 2019-2024
  • Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2019-2024
  • Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2024-2029
  • Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2024-2029
  • Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2024-2029
  • Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2024-2029
CONSUMER LENDING IN POLAND
EXECUTIVE SUMMARY
  • Consumer lending in 2024: The big picture
  • 2024 key trends
  • Advances in tech impact development in consumer credit
  • Safe Credit 2% programme ends in 2024
  • BNPL continues to gather rapid ground
  • What next for consumer lending?
MARKET DATA
  • Table 9 Consumer Lending: Outstanding Balance by Category: Value 2019-2024
  • Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2019-2024
  • Table 11 Consumer Lending: Gross Lending by Category: Value 2019-2024
  • Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2019-2024
  • Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2024-2029
  • Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2024-2029
  • Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2024-2029
  • Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2024-2029
DISCLAIMER
SOURCES
  • Summary 1 Research Sources