Poland: Bank liquid reserves to bank assets ratio (%)

Key figures

What the numbers say

In 2024, Poland's bank liquid reserves to bank assets ratio (%) rose 2.39 percentage points on 2023 (from 22.5% to 24.9%).

Across the 22 yearly changes before that (2002 to 2023), the average change was +0.26 percentage points and a typical year strayed about 2.67 percentage points from that (the standard deviation). This year's change was 0.8 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

On record, the biggest yearly rise was 4.93 percentage points in 2021 and the biggest yearly fall was 3.86 percentage points in 2003. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2015 to 2024 the straight-line trend is upward, about 1.63 percentage points a year. A straight line explains 82% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

How it compares

In 2024, Poland had the 12th highest value of the 21 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.

Closest to Poland in the 2024 ranking

• Peru — 9th of 21: 28.13%
• Kyrgyz Republic — 10th of 21: 28.11%
• Liberia — 11th of 21: 25.58%
• Madagascar — 13th of 21: 21.71%
• Bulgaria — 14th of 21: 21.65%
• Montenegro — 15th of 21: 17.97%

What this measures

Ratio of bank liquid reserves to bank assets is the ratio of domestic currency holdings and deposits with the monetary authorities to claims on other governments, nonfinancial public enterprises, the private sector, and other banking institutions. This indicator is expressed as a percentage (a÷b)*100.

Regional and income-group figures are computed by the World Bank as a median.

All 24 values

Bank liquid reserves to bank assets ratio (%) in nearby economies

• Albania — 13.36% (2025)
• Armenia — 14.12% (2025)
• Azerbaijan — 23.63% (2025)
• Belarus — 12.61% (2021)
• Bosnia and Herzegovina — 24.34% (2025)
• Bulgaria — 21.65% (2024)
• Czechia — 51.3% (2024)
• Denmark — 3.73% (2024)
• Georgia — 10.6% (2025)
• Hungary — 31.31% (2024)

More financial sector data for Poland

• Official exchange rate (LCU per US$, period average) — US$3.76 (2025)
• Consumer price index (2010 = 100) — 170.41 (2025)
• Inflation, consumer prices (annual % growth) — 3.81% (2025)
• Net domestic credit (current LCU) — 2.03 trillion (2024)
• Net foreign assets (current LCU) — 829.96 billion (2024)
• Broad money (current LCU) — 2.48 trillion (2024)
• Claims on central government (annual growth as % of broad money) — 1.94% (2024)
• Claims on private sector (annual growth as % of broad money) — 1.84% (2024)
• Broad money (annual % growth) — 9.24% (2024)
• DEC alternative conversion factor (LCU per US$)

Reading data like this

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Questions people ask

What is Poland's bank liquid reserves to bank assets ratio (%)?

24.9% in 2024, according to the World Bank (World Development Indicators).

How has it changed since 2001?

It is up 8.22 percentage points from 16.68% in 2001. The highest value was 24.9% in 2024 and the lowest 7.09% in 2008.

How does Poland rank?

12th highest of 21 economies with data for 2024.

Is the latest change in bank liquid reserves to bank assets ratio (%) unusual for Poland?

In 2024, Poland's bank liquid reserves to bank assets ratio (%) rose 2.39 percentage points on 2023 (from 22.5% to 24.9%). Across the 22 yearly changes before that (2002 to 2023), the average change was +0.26 percentage points and a typical year strayed about 2.67 percentage points from that (the standard deviation). This year's change was 0.8 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

Source

World Bank, World Development Indicators, indicator FD.RES.LIQU.AS.ZS, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

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