POLAND INSIGHT
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After four years of dynamic shifts, 2025 brought long-awaited stability to the housing market. The key drivers were interest rate cuts and a record-high supply of new homes, exceeding 61,000 units across Poland’s seven largest cities. Under these conditions, sales increased markedly, while prices…
Poland’s Housing Market Finds Balance in 2025: Rate Cuts, Record Supply and Only Mild Price Growth Ahead of an Optimistic 2026
After four years of dynamic shifts, 2025 brought long-awaited stability to the housing market. The key drivers were interest rate cuts and a record-high supply of new homes, exceeding 61,000 units across Poland’s seven largest cities. Under these conditions, sales increased markedly, while prices remained relatively stable (+4.5% y/y). However, growing disparities between cities show […]
polandinsight.com
December 5, 2025 at 9:26 PM
After four years of dynamic shifts, 2025 brought long-awaited stability to the housing market. The key drivers were interest rate cuts and a record-high supply of new homes, exceeding 61,000 units across Poland’s seven largest cities. Under these conditions, sales increased markedly, while prices…
The vast majority of Poles will cover their Christmas expenses from current income or savings, and only a small group will turn to additional forms of financing such as credit cards, deferred payments or loans, according to the survey “Christmas Spending of Poles” commissioned by Bank Millennium.…
Poles Plan a Frugal Christmas: Average Spending Steady at PLN 1,589, Most Rely on Current Income and Savings
The vast majority of Poles will cover their Christmas expenses from current income or savings, and only a small group will turn to additional forms of financing such as credit cards, deferred payments or loans, according to the survey “Christmas Spending of Poles” commissioned by Bank Millennium. We will spend an average of PLN 1,589 […]
polandinsight.com
December 5, 2025 at 9:24 PM
The vast majority of Poles will cover their Christmas expenses from current income or savings, and only a small group will turn to additional forms of financing such as credit cards, deferred payments or loans, according to the survey “Christmas Spending of Poles” commissioned by Bank Millennium.…
Today, the biggest barrier is the price of sustainable aviation fuel (SAF), which is still higher than substantial carbon-pricing obligations. This may, however, represent an opportunity for the Polish aviation sector: investments in local SAF production—and potentially hydrogen, as seen for…
Decarbonising Aviation: Why Costly SAF Could Become Poland’s Big Opportunity in a Net-Zero Sky
Today, the biggest barrier is the price of sustainable aviation fuel (SAF), which is still higher than substantial carbon-pricing obligations. This may, however, represent an opportunity for the Polish aviation sector: investments in local SAF production—and potentially hydrogen, as seen for example in Turkey, where it is part of the national carriers’ development strategy. The […]
polandinsight.com
December 5, 2025 at 9:23 PM
Today, the biggest barrier is the price of sustainable aviation fuel (SAF), which is still higher than substantial carbon-pricing obligations. This may, however, represent an opportunity for the Polish aviation sector: investments in local SAF production—and potentially hydrogen, as seen for…
In October 2025, compared with October 2024, banks and credit unions (SKOKs) issued more loans of every type. In numerical terms, the number of loans granted increased for housing loans (+36.5%), installment loans (+17.4%), cash loans (+8.6%) and credit cards (+6.0%). In value terms, banks and…
Poland Sees Broad-Based Loan Growth in October 2025 — Housing and Cash Loans Hit Historic Highs, Installment Loans Rebound
In October 2025, compared with October 2024, banks and credit unions (SKOKs) issued more loans of every type. In numerical terms, the number of loans granted increased for housing loans (+36.5%), installment loans (+17.4%), cash loans (+8.6%) and credit cards (+6.0%). In value terms, banks and SKOKs also issued a higher total amount across all […]
polandinsight.com
December 5, 2025 at 9:22 PM
In October 2025, compared with October 2024, banks and credit unions (SKOKs) issued more loans of every type. In numerical terms, the number of loans granted increased for housing loans (+36.5%), installment loans (+17.4%), cash loans (+8.6%) and credit cards (+6.0%). In value terms, banks and…
Poland remains one of the most stable warehouse and industrial markets in Europe. According to the latest analysis by Savills, total warehouse stock reached 36.45 million sq m at the end of Q3 2025. Since the beginning of the year, 1.55 million sq m has been delivered—26% less than a year…
Poland’s Warehouse Market Shows Exceptional Stability: Strong Demand, High Pre-Let Rates and Strategic Development Keep Sector on a Growth Path
Poland remains one of the most stable warehouse and industrial markets in Europe. According to the latest analysis by Savills, total warehouse stock reached 36.45 million sq m at the end of Q3 2025. Since the beginning of the year, 1.55 million sq m has been delivered—26% less than a year earlier—while new projects achieved […]
polandinsight.com
December 5, 2025 at 9:21 PM
Poland remains one of the most stable warehouse and industrial markets in Europe. According to the latest analysis by Savills, total warehouse stock reached 36.45 million sq m at the end of Q3 2025. Since the beginning of the year, 1.55 million sq m has been delivered—26% less than a year…
Hungary’s economy remains at the back of the European Union. According to the second estimate published on 2 December by the Central Statistical Office (KSH), Hungary’s real GDP in the first three quarters of 2025 was only 0.2% higher than a year earlier. In the third quarter alone, GDP did grow by…
Hungary Slips to Bottom of EU Growth Rankings as GDP Stagnates and Industry Declines
Hungary’s economy remains at the back of the European Union. According to the second estimate published on 2 December by the Central Statistical Office (KSH), Hungary’s real GDP in the first three quarters of 2025 was only 0.2% higher than a year earlier. In the third quarter alone, GDP did grow by 0.6% year-on-year, but […]
polandinsight.com
December 5, 2025 at 9:19 PM
Hungary’s economy remains at the back of the European Union. According to the second estimate published on 2 December by the Central Statistical Office (KSH), Hungary’s real GDP in the first three quarters of 2025 was only 0.2% higher than a year earlier. In the third quarter alone, GDP did grow by…
Demand for warehouse space in Poland remains very strong. In the first three quarters of 2025, tenants leased 4.5 million sq m of space, a result 20% higher than a year earlier. At the same time, the investment market continues to show high activity, with the value of warehouse transactions rising…
Poland’s Warehouse Market Booms: Record Tenant Demand, €873 Million in Investments, and Strengthening Global Interest
Demand for warehouse space in Poland remains very strong. In the first three quarters of 2025, tenants leased 4.5 million sq m of space, a result 20% higher than a year earlier. At the same time, the investment market continues to show high activity, with the value of warehouse transactions rising by 18% to reach […]
polandinsight.com
December 5, 2025 at 9:17 PM
Demand for warehouse space in Poland remains very strong. In the first three quarters of 2025, tenants leased 4.5 million sq m of space, a result 20% higher than a year earlier. At the same time, the investment market continues to show high activity, with the value of warehouse transactions rising…
Emerging markets are caught between a weak dollar and tight domestic constraints. Poland is one of the few countries pursuing a consistent monetary policy in line with forecasts, helped by the stabilization of domestic factors and a relatively lower dependence on external ones (notably the US…
Emerging-Market Central Banks at a Crossroads: Weak Dollar, Tight Constraints – and Why Poland Is an Outlier
Emerging markets are caught between a weak dollar and tight domestic constraints. Poland is one of the few countries pursuing a consistent monetary policy in line with forecasts, helped by the stabilization of domestic factors and a relatively lower dependence on external ones (notably the US dollar). The global monetary easing cycle in emerging markets, […]
polandinsight.com
December 5, 2025 at 9:16 PM
Emerging markets are caught between a weak dollar and tight domestic constraints. Poland is one of the few countries pursuing a consistent monetary policy in line with forecasts, helped by the stabilization of domestic factors and a relatively lower dependence on external ones (notably the US…
In November, developer promotions attracted homebuyers, leading to a clear decline in sales of second-hand apartments. According to experts from the GetHome.pl portal, this trend likely did not affect major metropolitan areas, where housing supply has been shrinking for months, resulting, in…
Developer Deals Boost New-Home Sales in November, Squeezing Poland’s Secondary Market — But Not in Major Cities
In November, developer promotions attracted homebuyers, leading to a clear decline in sales of second-hand apartments. According to experts from the GetHome.pl portal, this trend likely did not affect major metropolitan areas, where housing supply has been shrinking for months, resulting, in several cases, in rising prices. “Primary and secondary markets are fiercely competing for […]
polandinsight.com
December 5, 2025 at 9:12 PM
In November, developer promotions attracted homebuyers, leading to a clear decline in sales of second-hand apartments. According to experts from the GetHome.pl portal, this trend likely did not affect major metropolitan areas, where housing supply has been shrinking for months, resulting, in…
Between 2021 and 2024, nearly PLN 3.5 billion was spent from the Government Housing Development Fund (RFRM) outside the national budget framework. According to the Supreme Audit Office (NIK), the distribution of these funds lacked transparency, limited parliamentary and public oversight, and, in…
NIK Exposes PLN 3.5 Billion Mismanagement: Housing Fund Built Structures and Bureaucracy, Not Homes
Between 2021 and 2024, nearly PLN 3.5 billion was spent from the Government Housing Development Fund (RFRM) outside the national budget framework. According to the Supreme Audit Office (NIK), the distribution of these funds lacked transparency, limited parliamentary and public oversight, and, in practice, contributed more to building company structures than to building housing. Instead […]
polandinsight.com
December 5, 2025 at 9:11 PM
Between 2021 and 2024, nearly PLN 3.5 billion was spent from the Government Housing Development Fund (RFRM) outside the national budget framework. According to the Supreme Audit Office (NIK), the distribution of these funds lacked transparency, limited parliamentary and public oversight, and, in…
The UK government is preparing to transfer £8 billion (approximately €9.2 billion) in frozen Russian assets to Ukraine, according to reports published this week. London hopes to take the lead in international efforts to unlock hundreds of billions of pounds that have remained frozen in Western…
UK Plans £8 Billion Aid Package for Ukraine Using Frozen Russian Funds
The UK government is preparing to transfer £8 billion (approximately €9.2 billion) in frozen Russian assets to Ukraine, according to reports published this week. London hopes to take the lead in international efforts to unlock hundreds of billions of pounds that have remained frozen in Western jurisdictions since Russia invaded Ukraine. A Decision Shadowed by […]
polandinsight.com
December 5, 2025 at 9:05 PM
The UK government is preparing to transfer £8 billion (approximately €9.2 billion) in frozen Russian assets to Ukraine, according to reports published this week. London hopes to take the lead in international efforts to unlock hundreds of billions of pounds that have remained frozen in Western…
The Monetary Policy Council (RPP) continued its series of interest rate cuts on Wednesday, December 3, deciding on the sixth reduction this year—this time by 25 basis points, lowering the reference rate to 4%. Analysts at PZU expect the Council to deliver two more cuts next year, each also…
Poland’s Central Bank Delivers Sixth Rate Cut This Year, Signals “Wait and See” Ahead
The Monetary Policy Council (RPP) continued its series of interest rate cuts on Wednesday, December 3, deciding on the sixth reduction this year—this time by 25 basis points, lowering the reference rate to 4%. Analysts at PZU expect the Council to deliver two more cuts next year, each also amounting to 25 basis points. Since […]
polandinsight.com
December 5, 2025 at 8:45 PM
The Monetary Policy Council (RPP) continued its series of interest rate cuts on Wednesday, December 3, deciding on the sixth reduction this year—this time by 25 basis points, lowering the reference rate to 4%. Analysts at PZU expect the Council to deliver two more cuts next year, each also…
The Polish Financial Supervision Authority (KNF) has unanimously approved VeloBank’s acquisition of the retail division of Citi Handlowy. Obtaining this decision at the current stage signals the strong quality of the transaction’s preparation and allows both parties to continue toward closing,…
Polish Financial Supervision Authority Approves VeloBank’s Acquisition of Citi Handlowy’s Retail Operations
The Polish Financial Supervision Authority (KNF) has unanimously approved VeloBank’s acquisition of the retail division of Citi Handlowy. Obtaining this decision at the current stage signals the strong quality of the transaction’s preparation and allows both parties to continue toward closing, which is scheduled for mid-2026. The KNF’s approval — one of the required regulatory […]
polandinsight.com
December 5, 2025 at 8:44 PM
The Polish Financial Supervision Authority (KNF) has unanimously approved VeloBank’s acquisition of the retail division of Citi Handlowy. Obtaining this decision at the current stage signals the strong quality of the transaction’s preparation and allows both parties to continue toward closing,…
Short conversations with AI-driven chatbots can meaningfully alter political attitudes, according to two new studies published in Nature and Science. The authors report that under certain conditions, a single interaction with a bot can shift voter preferences by as much as 25 percentage points. The…
Brief Interactions With AI Chatbots Can Significantly Influence Political Attitudes, Studies in Nature and Science Show
Short conversations with AI-driven chatbots can meaningfully alter political attitudes, according to two new studies published in Nature and Science. The authors report that under certain conditions, a single interaction with a bot can shift voter preferences by as much as 25 percentage points. The research was conducted by Professors David Rand and Gordon Pennycook […]
polandinsight.com
December 5, 2025 at 8:43 PM
Short conversations with AI-driven chatbots can meaningfully alter political attitudes, according to two new studies published in Nature and Science. The authors report that under certain conditions, a single interaction with a bot can shift voter preferences by as much as 25 percentage points. The…
The Sejm on Friday failed to override President Karol Nawrocki’s veto of a bill regulating the cryptocurrency market. A total of 243 MPs voted in favor of re-adopting the legislation, and 192 voted against — well short of the required three-fifths majority (276 votes) needed to overturn the veto.…
Polish Parliament Fails to Override Presidential Veto on Crypto Regulation. Tusk Warns: Russian Criminal Groups Are Penetrating Poland’s Cryptocurrency Sector
The Sejm on Friday failed to override President Karol Nawrocki’s veto of a bill regulating the cryptocurrency market. A total of 243 MPs voted in favor of re-adopting the legislation, and 192 voted against — well short of the required three-fifths majority (276 votes) needed to overturn the veto. The vote followed a heated debate […]
polandinsight.com
December 5, 2025 at 8:41 PM
The Sejm on Friday failed to override President Karol Nawrocki’s veto of a bill regulating the cryptocurrency market. A total of 243 MPs voted in favor of re-adopting the legislation, and 192 voted against — well short of the required three-fifths majority (276 votes) needed to overturn the veto.…
The United States has given European allies a firm deadline of 2027 to assume responsibility for the majority of NATO’s conventional defense capabilities, Pentagon officials told diplomats during meetings in Washington this week. According to sources, if Europe fails to meet these expectations, the…
The U.S. Issues an Ultimatum to Europe: By 2027, It Must Take Over Most of NATO’s Conventional Defense
The United States has given European allies a firm deadline of 2027 to assume responsibility for the majority of NATO’s conventional defense capabilities, Pentagon officials told diplomats during meetings in Washington this week. According to sources, if Europe fails to meet these expectations, the U.S. is prepared to withdraw from certain coordination mechanisms within the […]
polandinsight.com
December 5, 2025 at 8:40 PM
The United States has given European allies a firm deadline of 2027 to assume responsibility for the majority of NATO’s conventional defense capabilities, Pentagon officials told diplomats during meetings in Washington this week. According to sources, if Europe fails to meet these expectations, the…
PKP Cargo, which has been undergoing restructuring for several months, has filed a demand for more than 1.52 billion PLN in compensation from Prime Minister Donald Tusk and the Minister of State Assets. The company argues that it incurred losses while implementing the so-called coal decision issued…
PKP Cargo Demands 1.52 Billion PLN in Compensation for “Coal Decision,” Threatens to Sue the State
PKP Cargo, which has been undergoing restructuring for several months, has filed a demand for more than 1.52 billion PLN in compensation from Prime Minister Donald Tusk and the Minister of State Assets. The company argues that it incurred losses while implementing the so-called coal decision issued in July 2022, and that the state failed to sign […]
polandinsight.com
December 5, 2025 at 8:38 PM
PKP Cargo, which has been undergoing restructuring for several months, has filed a demand for more than 1.52 billion PLN in compensation from Prime Minister Donald Tusk and the Minister of State Assets. The company argues that it incurred losses while implementing the so-called coal decision issued…
The United States Announces a New National Security Strategy. Trump Scales Back Global Ambitions, Prioritizes Western Hemisphere Dominance and Distance from Europe. U.S. President Donald Trump unveiled a new National Security Strategy on Friday, signaling a profound shift in the direction of…
Trump Administration Ends Era of Global Leadership in New Security Blueprint
The United States Announces a New National Security Strategy. Trump Scales Back Global Ambitions, Prioritizes Western Hemisphere Dominance and Distance from Europe. U.S. President Donald Trump unveiled a new National Security Strategy on Friday, signaling a profound shift in the direction of American foreign policy: from global security guarantor to a hard-edged regional hegemon in […]
polandinsight.com
December 5, 2025 at 8:37 PM
The United States Announces a New National Security Strategy. Trump Scales Back Global Ambitions, Prioritizes Western Hemisphere Dominance and Distance from Europe. U.S. President Donald Trump unveiled a new National Security Strategy on Friday, signaling a profound shift in the direction of…
Eurostat released revised economic growth data for the third quarter of 2025, showing that the economies of both the euro area and the European Union expanded faster than initially estimated. The updated figures reveal that eurozone GDP grew by 0.3% quarter-on-quarter, an upward revision of 0.1…
Revised Eurostat Data Show Stronger-Than-Expected Economic Pickup in Q3
Eurostat released revised economic growth data for the third quarter of 2025, showing that the economies of both the euro area and the European Union expanded faster than initially estimated. The updated figures reveal that eurozone GDP grew by 0.3% quarter-on-quarter, an upward revision of 0.1 percentage point compared with the preliminary estimate published in […]
polandinsight.com
December 5, 2025 at 8:34 PM
Eurostat released revised economic growth data for the third quarter of 2025, showing that the economies of both the euro area and the European Union expanded faster than initially estimated. The updated figures reveal that eurozone GDP grew by 0.3% quarter-on-quarter, an upward revision of 0.1…
The job market for financial specialists in Poland is no longer associated with simple outsourcing but is transforming into a hub for advanced expert structures. As a result, specialists are now expected to bring broad, cross-functional experience and skills. In niche roles, candidates can dictate…
Financial Job Market in Poland Shifts Toward Expertise — Niche Specialists Set the Rules, Employers Dominate Elsewhere
The job market for financial specialists in Poland is no longer associated with simple outsourcing but is transforming into a hub for advanced expert structures. As a result, specialists are now expected to bring broad, cross-functional experience and skills. In niche roles, candidates can dictate the terms, while in other segments employers enjoy a wide […]
polandinsight.com
December 5, 2025 at 11:28 AM
The job market for financial specialists in Poland is no longer associated with simple outsourcing but is transforming into a hub for advanced expert structures. As a result, specialists are now expected to bring broad, cross-functional experience and skills. In niche roles, candidates can dictate…
The average Pole plans to spend PLN 1,787 on this year’s Christmas — 13% more than last year. Yet data shows that for the first time in several years, Christmas may actually be cheaper than the year before. The estimated cost of a holiday basket for a four-person household will be PLN 3,655.30,…
Poles Plan to Spend More, Even Though Christmas Will Be Cheaper This Year
The average Pole plans to spend PLN 1,787 on this year’s Christmas — 13% more than last year. Yet data shows that for the first time in several years, Christmas may actually be cheaper than the year before. The estimated cost of a holiday basket for a four-person household will be PLN 3,655.30, which is […]
polandinsight.com
December 5, 2025 at 11:26 AM
The average Pole plans to spend PLN 1,787 on this year’s Christmas — 13% more than last year. Yet data shows that for the first time in several years, Christmas may actually be cheaper than the year before. The estimated cost of a holiday basket for a four-person household will be PLN 3,655.30,…
Work is underway in EU institutions on regulatory simplifications for the chemical industry and a broader plan to strengthen its global competitiveness, particularly in relation to China. In July, the European Commission unveiled a proposal outlining such measures and deregulation steps. More…
EU Prepares Major Simplifications and Competitiveness Boost for the Chemical Industry Amid Growing Pressure from China
Work is underway in EU institutions on regulatory simplifications for the chemical industry and a broader plan to strengthen its global competitiveness, particularly in relation to China. In July, the European Commission unveiled a proposal outlining such measures and deregulation steps. More recently, the European Parliament adopted the “One Substance, One Assessment” (OSOA) package, which […]
polandinsight.com
December 5, 2025 at 11:26 AM
Work is underway in EU institutions on regulatory simplifications for the chemical industry and a broader plan to strengthen its global competitiveness, particularly in relation to China. In July, the European Commission unveiled a proposal outlining such measures and deregulation steps. More…
Poland’s retail sector continues to gain momentum and draw investor attention. According to the “Review: Retail Market” report by BNP Paribas Real Estate Poland, the third quarter of 2025 brought further supply stabilization, a high volume of new projects, and sustained demand for retail parks.…
Poland’s Retail Sector Continues to Strengthen, Attracting Investor Interest
Poland’s retail sector continues to gain momentum and draw investor attention. According to the “Review: Retail Market” report by BNP Paribas Real Estate Poland, the third quarter of 2025 brought further supply stabilization, a high volume of new projects, and sustained demand for retail parks. Retail Parks Remain in High Demand In the third quarter […]
polandinsight.com
December 5, 2025 at 11:25 AM
Poland’s retail sector continues to gain momentum and draw investor attention. According to the “Review: Retail Market” report by BNP Paribas Real Estate Poland, the third quarter of 2025 brought further supply stabilization, a high volume of new projects, and sustained demand for retail parks.…
Six hundred and eighteen doctors across various specialties — that is the number of medical professionals missing in the Polish Armed Forces. On average, one military doctor is responsible for 260–270 soldiers, whereas NATO standards require a ratio of 1 to 100. These figures come from the report…
Polish Armed Forces Struggle with Severe Doctor Shortage. NATO Standards Missed as Experts Warn of Escalating Crisis
Six hundred and eighteen doctors across various specialties — that is the number of medical professionals missing in the Polish Armed Forces. On average, one military doctor is responsible for 260–270 soldiers, whereas NATO standards require a ratio of 1 to 100. These figures come from the report “Restore Prestige, Retain Talent – A Strategy […]
polandinsight.com
December 5, 2025 at 11:25 AM
Six hundred and eighteen doctors across various specialties — that is the number of medical professionals missing in the Polish Armed Forces. On average, one military doctor is responsible for 260–270 soldiers, whereas NATO standards require a ratio of 1 to 100. These figures come from the report…
The international firm Forvis Mazars has published the latest edition of its recurring report, “Strategic Resilience of the Insurance Sector in Central and Eastern Europe: Outlook for 2025.” The findings show that insurers in the region have increased non-life insurance premiums from €18 billion in…
Forvis Mazars: Insurance Premiums in CEE Have Grown 58% Since 2018 — the Region Is Becoming a Pillar of Europe’s Financial Resilience
The international firm Forvis Mazars has published the latest edition of its recurring report, “Strategic Resilience of the Insurance Sector in Central and Eastern Europe: Outlook for 2025.” The findings show that insurers in the region have increased non-life insurance premiums from €18 billion in 2018 to €28.5 billion in 2024 — a 58% increase […]
polandinsight.com
December 5, 2025 at 11:22 AM
The international firm Forvis Mazars has published the latest edition of its recurring report, “Strategic Resilience of the Insurance Sector in Central and Eastern Europe: Outlook for 2025.” The findings show that insurers in the region have increased non-life insurance premiums from €18 billion in…