It seems to me that Polish politicians are still picking themselves up from the shock and information havoc they have experienced. We have been enjoying in recent years a very good economic situation. Poland’s economic results were one of the best in the EU.  But then the country’s growth rate declined fast. However, it emerged from data released afterwards that the situation of Polish financial institutions is good, that Polish banks were not involved in offering and buying infected assets. The most important thing today is that many politicians have realized that  Polish financial institutions can help a lot toward absorbing EU funds and financing the economy but that at the same time they themselves need propping up by the state as is the case in many other countries. They do not so much need financial support but organisational and institutional support
For one, access to financial sources (current assets and investment means) is not easy in the Polish economy. Access to current assets poses a bigger problem nowadays. Generally, access to means of financing the economy has become difficult everywhere in the world.  Governments are competing for financial means on international and domestic markets pushing private and commercial institutions out of the market.   
Secondly, some sectors have encountered development barriers. This crisis situation will mark the beginning of major technological change in power engineering, transport, telecommunications and the Internet. New segments of the economy emerge before our very eyes. The on-going economic transformations will be much broader than we can imagine. The Polish economy is also involved in this process. It is undergoing restructuring and credit risk is growing. Governments, as well as private institutions are, therefore, setting up a network of credit guarantee funds to share risks because banks manage private citizens’ savings whose stability and certainty represents a supreme value. The guarantee and security network is also being strengthened and developed in Poland. New regulations come into force governing Bank Gospodarstwa Krajowego (BGK).  The government’s approach to these matters is promising, though admittedly steps could be taken faster, more efficiently and in greater concord.
There is yet another problem of own funds in banks facing the Polish ranking sector, one that will grow until it is finally resolved. If it is not, it may hinder crediting owing to the shortage of capital caused by regulatory reasons. We need to cope with that. We ought to reach out to the domestic and international market to build up own funds. We need to resort to government support instruments, i.e. securities and guarantees on issues of bank securities. We must invest in banks holding Treasury shares to raise capital. We need to take regulatory and organisational measures. There is no reason why the development of the very successful co-operative banks should be held back only because they find it difficult to keep own capital at EUR 1 million in line with adopted standards now that the Polish zloty has weakened.  Their solvency ratios are perfect, financial parameters are excellent, and the portfolio quality is superb. All it takes is to reach a political decision regarding a new path of defining regulatory indices.  
The crisis period is particularly conducive to innovation, modernisation, cost-cutting and introduction of new management methods. In that respect the banking sector offers citizens and entrepreneurs a wide scope of e-banking services yielding big savings and accelerating economic turnover. It offers new risk management methods which entail access to business information as well as public and private data bases. All of that facilitates the launch of new services and cost reduction based on business information and enhances the certainty of economic turnover.
Prospects for the financial sector in Poland appear very  based on the growth of the economic potential in Polish households and companies. Suffice to mention that several million households (30% of all Polish households) do not have a bank account yet and do not use banking services. This is a big window of opportunity for banks to go into. Then is the frequency of using banking services. It is six times lower in Poland than anywhere else in Europe. This offers another challenge for banks. We have now reached a certain critical stage and further rise in the number of services offered will meaningfully bring units costs down.
We are in for a process of adjustment in the economy. Building the order of a new stable financial market will take some time. There will be no going back to the situation of before the crisis.  A new accord is needed in the sector. The parties need to regain credibility and that requires some time.