The value of the financial resources collected by Poles at the end of 2025 reached almost PLN 2.52 trillion – according to the analysis “Rzeczpospolita”. Compared to the end of 2024, it is up to PLN 254 billion, i.e. by 11.2% more – we read in Monday's "Rzeczpospolita".
Households in the 3rd consecutive year increase their financial resources at a two-digit rate. This is supported by real wages, but besides by the continuing uncertainty that leads to the building of a financial safety cushion – says Piotr Bielski, economist of Santander Bank Polska.
– The largest part of full household savings, i.e. as much as PLN 1.44 trillion, is the money held in banks, and their value has increased by 8.1 percent over the past year. However, it is crucial to increase current deposits, which increased by nearly 10% for the first time exceeding PLN 1 trillion. On the another hand, fixed-term deposits only increased to about 4% year-on-year (to PLN 418 billion). – explains Jarosław Sadowski, manager of the survey office at Rankomat.pl.
– According to NBP data, the average interest rate on fresh fixed-term deposits is presently around 3.3%, while at the highest of the year, at the end of 2022, it exceeded 6%. For current deposits, 0.6% and 0.9% respectively. However, cash does not bring any interest, yet it enjoys unfailing popularity. In 2025 the value of cash in circulation increased to PLN 456 billion, i.e. by over 14 percent. – reads “Rz”.
– The value of retail bonds of the Treasury in Polish portfolios is increasing rapidly – at the end of 2025 it was already 179 billion PLN, i.e. by 23 percent more than a year before. In fact, even with reduced rates, any of these papers stay more attractive than bank deposits. On the another hand, assets accumulated in TFI increased to PLN 435.1 billion, i.e. by 15 percent year-on-year (55.6 billion PLN), which could be the consequence of an improvement in the capital markets – comments in “Rz” Marcin Mrowiec, chief economist Grant Thornton.
What are the prospects for saving Poles for 2026? – Wages should grow faster than inflation and economical growth should be decent. full savings should increase nominally – Marcin Mrowiec complements.
Source: PAP
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