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Consumer Lending in Poland

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    Report

  • 16 Pages
  • November 2023
  • Region: Poland
  • Euromonitor International
  • ID: 2829827
In 2023, Poland’s inflation rate remains in double-digits and many households are experiencing a deterioration in living conditions. The uncertain macroeconomic situation, high interest rates and the depreciation of real incomes has caused a slowdown in the consumer credit sector. The high level of inflation has pushed up the cost of living and reduced the disposable income of potential borrowers, and thus their creditworthiness.

The Consumer Lending 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: Consumer Credit, Mortgages/Housing.

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 Lending 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

CONSUMER LENDING IN POLAND
EXECUTIVE SUMMARY
  • Consumer lending in 2023: The big picture
  • 2023 key trends
  • Mortgages and housing market under pressure
  • BNPL gains popularity among Poles
  • What next for consumer lending?
MARKET DATA
  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2018-2023
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2018-2023
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2023-2028
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2023-2028
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2023-2028
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2023-2028
DISCLAIMER
SOURCES
  • Summary 1 Research Sources
CONSUMER CREDIT IN POLANDKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Inflation drives growth in consumer lending
Dynamic growth in BNPL
  • New legislation comes into effect regarding unethical lending
PROSPECTS AND OPPORTUNITIES
  • Higher levels of social support to support development of consumer credit
  • Legislation may reduce number of lenders
  • BNPL to continue its dynamic growth
CATEGORY DATA
  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2018-2023
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2018-2023
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2023-2028
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2023-2028
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2023-2028
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2023-2028