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M. Czaplicki

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Open access 2026

It Takes Two to Tango. Capital Constraints and Bank Lending in Poland

The implementation of post-crisis (Basel III) capital requirements in 2015, followed by the introduction of the banking tax in 2016, marked a turning point for the loan-to-GDP ratio in Poland. Since Q4 2015, this ratio has declined by almost one-third, while the ratio of banks’ assets to GDP has remained relatively sta...

M. Czaplicki · 0 citations

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