Poland’s banking services penetration is low compared to other European countries, with just 67% of people aged 18 and above holding a current account. However, that proportion will increase in the years to come, reaching 73% in 2015, 78% in 2020 and 82% in 2025.
Only some 12% of bank customers in Poland have ever switched banks, and most continue to use the services of their very first bank. This is the lowest ratio of switchers in comparison to other CE countries.
Those customers who have switched banks moved a revenue pool approaching EUR 0.64B to competitors.
31% of Polish bank customers claim not to be loyal to their banks, equating to a total pool of revenue worth EUR 1.6B. Our analysis shows that this group largely reflects the make-up of the population as a whole, regardless of age, income or domicile.
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