Do you want a paragraph? Many institutions that should take care of citizens are stealing from borrowers: the National Bank of Poland is not lowering interest rates despite the drop in inflation, and the Minister of Finance has actually blocked credit holidays – all this so that banks can earn more than 2X more this year than in the previous year at this expense. .. borrowers. Throughout 2023, banks earned almost PLN 27.6 billion net. That’s 160 percent. more than a year earlier despite the loan holidays, but they claim that it was a hard year for the industry… This year at the expense of borrowers and in collusion with Glapiński, who does not lower interest rates despite a huge drop in inflation (in 2020, interest rates were at 1.5% despite much higher inflation!), banks will probably earn more than 2X more than last year, i.e. regarding PLN 50 billion. – and this is approximately 8% of the state budget revenues!!! I would like to remind you that, contrary to the statements of “experts”, credit holidays are not STATE AID (unlike a 2% loan!), but an installment suspended only as part of credit holidays and already combined with the currently HIGH interest, so it is a golden deal for banks , only postponed because 80% of this installment is the added interest!!! Additionally, the fact that the suspended installment is free of penalty interest for the alleged delay does not mean that the unpaid capital of this installment is also exempt from interest – it still works for the bank’s benefit! Banks have been recording record profits in Poland for several years only because they used something that is not available anywhere else in the world: that banks set interest rates themselves and during the term of the contract, which is a scandal, because it cannot be the case that in loans for 30 years, the installments are unknown along with the final amount to be repaid, and that is what WIBOR is all regarding… It is obvious that contracts constructed in this way are unfair, but for the Polish Financial Supervision Authority and the Office of Competition and Consumer Protection, everything is fine! And finally: ALL THESE BANKSTERS STOP MENTIONING ETHICS, BECAUSE WHERE DO THEY SEE ETHICS IN MONTHLY INSTALLMENTS OF WHICH 80% IS INTEREST!!!! WHERE DO THEY SEE ETHICS IN MANIPULATION RELATED TO WIBOR??? Nowhere in Europe are borrowers robbed so brazenly (because in cooperation with STATE institutions such as the National Bank of Poland, the Polish Financial Supervision Authority, the Office of Competition and Consumer Protection, the Russian Federation and the Ministry of Finance) as in Poland!!!