<\/span>The sector relies mainly on civil-law contracts, not standard employment<\/span><\/h3>\n At the end of 2025, the surveyed entities employed a total of 17,200 people. However, the clear majority \u2014 9,700, or 56.4% \u2014 worked under mandate contracts, agency agreements, contracts for specific work or management contracts. Only 5,100 people, or 29.6%, were employed under standard employment contracts or on the basis of appointment, nomination or election. A further 2,500 people, or 14.3%, operated under the Entrepreneurs\u2019 Law as self-employed individuals. This model was particularly visible among entities cooperating with banks, where every person employed under a standard employment contract was accompanied by more than five people working under civil-law contracts or as self-employed contractors. The distribution network consisted of 1,124 branches and representative offices.<\/p>\n\n
<\/span>Financial results: revenue grows faster than costs<\/span><\/h3>\n Statistics Poland presented financial data for 122 entities keeping full accounting records, for which credit intermediation or lending was the sole or dominant activity. Total revenue generated by this group increased by 15.6% to PLN 8,009 million, while costs rose more slowly, by 13.3%, to PLN 6,342 million. As a result, the net profit of the surveyed entities increased by 20.8%, from PLN 1,062.1 million to PLN 1,282.7 million. Of the 122 enterprises, 97 generated a combined net profit of PLN 1,365 million, while 25 reported total losses of PLN 82 million.<\/p>\n
The value of assets held by the surveyed entities increased by 14.0% to PLN 21,649 million. Non-current assets, representing 51.3% of total assets, slightly exceeded current assets, which accounted for 48.7%. On the liabilities side, liabilities and provisions represented 81.3% of the balance-sheet total, while equity accounted for 18.7%.<\/p>\n\n
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Chart 4. Financial results of 122 credit intermediation entities (PLN million)<\/div>\n