Bank Gospodarstwa Krajowego is a state development bank whose mission is to support the social and economic development of Poland and the public sector in the fulfilment of its tasks.
The Bank is a financial partner actively supporting the entrepreneurship and making effective use of development programmes. It is the initiator of and the participant in cooperation between business, public sector, and financial institutions.
Together with other development institutions, the Bank plays a significant role in implementation of the Strategy for Responsible Development, adopted by the Council of Ministers on 14 February 2017, which is the key document of the Polish state in the medium- and long-term economic policy.
BGK has a wonderful history of great achievements for Poland, which the Bank regards as an inspiration for its activities, but it looks to the future, because the effects of today’s work will be visible there. Every day, the Bank works for the future of Poland and the generations to come.
|Year of creation|
individual entities or association
|Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?||No|
|Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?||Yes|
|Do you (your members) dispose of an internal rating/scoring system?||Yes|
|Do you (your members) use..?|
De minimis or GBER or Regional guidelines or Notification
|De minimis, GBER and Notification|
|Is the activity subject to state aid regulation?||Yes|
|Other SME support instruments offered by your organisation/your members|
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
|Subsidized loans, Mezzanine financing, Venture capital, SME Innovators Support, regional operational programmes|
|Types of guarantee products provided by your organisation/your members||Portfolio de minimis guarantee line, COSME Portfolio Guarantee Line, Portfolio Guarantee Line for innovators, Portfolio Guarantee Line for telecommunication companies (Operational Program Digital Poland), Portfolio Guarantee Line for Cultural and Creative Sector, Portfolio Guarantee Line for Agriculture Sector, Loan for technological innovation (Operational Program Smarth Growth), Export guarantees, Student loan guarantees|
|Are you/your members financial intermediary for EU-programmes?|
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
|COSME, Cultural and Creative Sectors, Structural funds, some members use ERDF|
|Do you benefit from a counter-guarantee at local, regional or national level?|
Local level or Regional level or National level
|Type of scheme|
guarantee or counter-guarantee
guarantee or counter-guarantee or co-guarantee
|Guarantee, counter guarantee|
|Profit / Non-profit oriented|
dividends to public shareholders are not considered as profit orientation
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
|Based on polish banking law, supervised by Polish Financial Supervision Authority|
|Size of businesses supported|
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
|Large companies, SMEs|
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
i.e. local, regional, national
|Structure / Network|
i.e. central scheme with regional offices, central scheme only, association network
|Central scheme with regional offices|
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
|State Development Bank|
Private / Public (in %)
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
|Type of organization|
National Promotional Bank (NPB), National Promotional Institution (NPI), Private, Mutual, Mixed
|ANNUAL REPORT |
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