Buffer rate
Introduction | Date | ArchiveIntroduction | Date | Archive
Applicable countercyclical buffer rate
According to Articles 83 and 96 of the Act of 5 August 2015 on Macroprudential Supervision over the Financial System and Crisis Management, since 1 January 2016, a countercyclical buffer rate has been set at 0% for credit exposures on the territory of the Republic of Poland. This rate shall apply until it is changed by a regulation of the Minister of Finance.
| Applicable countercyclical buffer rate | Applicable from |
|---|---|
| 0% | 1 January 2016 |
Information on the recommendation of the Financial Stability Committee in the area of macroprudential supervision (FSC-M) on countercyclical buffer rate
| Date of the FSC-M meeting | Recommended countercyclical buffer rate | Buffer guide | Credit to GDP ratio1 | Ratio of deviation of credit to GDP ratio from its long-term trend |
|---|---|---|---|---|
| 22 February 2016 | 0% | 0% | 83.9% | 0.05% |
| 13 May 2016 | 0% | 0% | 83.1% | -1.46% |
| 10 August 2016 | 0% | 0% | 84.0% | -1.30% |
| 5 December 2016 | 0% | 0% | 85.0% | -1.10% |
| 24 March 2017 | 0% | 0% | 84.4% | -2.2% |
| 2 June 2017 | 0% | 0% | 86.6% | -0.7% |
| 15 September 2017 | 0% | 0% | 85.7% | -2.4% |
| 1 December 2017 | 0% | 0% | 84.5% | -4.0% |
| 16 March 2018 | 0% | 0% | 83.1% | -5.8% |
| 11 June 2018 | 0% | 0% | 81.3% | -7.8% |
| 21 September 2018 | 0% | 0% | 82.0% | -7.3% |
| 17 December 2018 | 0% | 0% | 82.5% | -7.2% |
| 29 March 2019 | 0% | 0% | 81.5% | -8.3% |
| 7 June 2019 | 0% | 0% | 80.7% | -9.4% |
| 23 September 2019 | 0% | 0% | 80.2% | -10.0% |
| 13 December 2019 | 0% | 0% | 79.0% | -11.2% |
| 16 March 2020 | 0% | 0% | 79.5% | -10,7% |
| 21 September 2020 | 0% | 0% | 79.6% | -10.4% |
| 11 December 2020 | 0% | 0% | 80,4% | -9.7% |
| 19 March 2021 | 0% | 0% | 80.2% | -10.2% |
| 18 June 2021 | 0% | 0% | 80.6% | -10.0% |
| 28 September 2021 | 0% | 0% | 80.2% | -10.3% |
| 10 December 2021 | 0% | 0% | 78.0% | -12.4% |
| 25 March 2022 | 0% | 0% | 78.0% | -12.1% |
| 10 June 2022 | 0% | 0% | 76.1% | -13.7% |
| 23 September 2022 | 0% | 0% | 73.9% | -15.6% |
| 9 December 2022 | 0% | 0% | 71.8% | -17.1% |
| 28 March 2023 | 0% | 0% | 70.9% | -16.1% |
| 16 June 2023 | 0% | 0% | 66,9% | -19,6% |
| 26 September 2023 | 0% | 0% | 64,8% | -21,8% |
| 21 December 2023 | 0% | 0% | 62,9% | -23,1% |
| 22 March 2024 | 0% | 0% | 62,7% | -22,1% |
| 14 June 2024 | 2% | 0% | 60,6% | -23,1% |
1 Loans to the non-financial private sector represent the total indebtedness of the non-financial sector, including issuance of debt instruments by non-financial enterprises.
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