UKNF Supervisory Blog
Creditworthiness assessment and ‘Family 800 plus’ benefit: UKNF’s expectations
Emil Radziszewski – Managing Director for Banking Supervision, Jacek Barszczewski – Director of the Public Communication Department
Lending is one of the core purposes of banks’ business and sources of income. No bank has an interest in introducing restrictions on that source of income without a good business reason. However, since a bank, while granting a loan, places the risk of default on the funds that have been entrusted to it (including clients’ savings) and that it must return, the bank needs to make sure that the risk is minimised.
30 June 2026
Do they say that supervision slows down the development of the financial market? That’s right – that’s what they say…
Michał Kruszka – Director of Research and Regulatory Supervision Department
In a public debate, financial supervision is occasionally presented as a ‘brake’ or a barrier to the development of the financial market. Such a statement is based on a somehow intuitively justified view that regulations often increase the cost of functioning of supervised entities, while its implementation requires time and limits willingness to take risk. However, the experience of the last two decades shows that the key question should not be ‘Should we regulate/supervise?’ but ‘How to do that?’.
11 June 2026
Do robots dream of green banks? The role of artificial intelligence in sustainability reporting and ESG risk management at banks
Artur Mika – Expert in the Commercial Banking Department
The European Union is witnessing the continued macrotrend of regulatory simplification, including in relation to regulations on sustainability, in the face of efforts to increase the competitiveness of the EU economy. Notwithstanding the amendments to regulations in this regard, in particular through the Omnibus I package, regulations such as Corporate Sustainability Reporting Directive (CSRD), Taxonomy Regulation or EBA Guidelines on the management of environmental, social and governance (ESG) risks (EBA/GL/2025/01) still force banks to work with enormous sets of data from various dispersed sources and to process such data under pressure. For this reason, using solutions based on AI systems in banks’ sustainability reporting and, more widely, in ESG risk management, may bring substantial benefits.
1 April 2026
Amended Recommendation WFD does not change the supervisory perspective
Marcin Mikołajczyk, Deputy Chair of the KNF
When proposing amendments to Recommendation WFD, the UKNF has not changed its supervisory perspective or overarching assumption. The purpose of Recommendation WFD remains to mitigate the risk associated with the structure of mortgage loan funding. The risk is mitigated by increasing the share of long-term funding in the banks’ equity and liabilities in relation to the value of mortgage loans granted. The amendments proposed by the supervisory authority have not lowered supervisory expectations, but they stem from a modified WFD calculation method.
12 March 2026
