The Household Wealth and Debt Survey

The Household Wealth and Debt Survey (BZGD) is a pioneering study as regards collecting wide range of the micro data on household assets and liabilities in Poland. The survey results are of key importance for understanding processes of saving, debt accumulation and risk taking by households, and are also instrumental for studying wealth and income inequality.

The first BZGD survey was conducted in 2014 by Narodowy Bank Polski in cooperation with the Central Statistical Office (Główny Urząd Statystyczny – GUS). BZGD survey is a part of the all-European research project Household Finance and Consumption Network, coordinated by the European Central Bank.

Report from the BZGD pilot survey 2014

The report portrays a panorama of financial situation of the households in Poland as of 2014, and in particular various categories of their assets and liabilities are examined.


BZGD 2016

The next wave of the BZGD is scheduled for the autumn 2016. Larger sample of households will be surveyed, with some households from the first wave being surveyed again (panel component). Combining the results of the consecutive waves of survey is expected to allow for analyzing changes in time in the households wealth characteristics, of which assets, debt and risk taking behavior.

NBP interest rates

Reference rate 1.50
Lombard rate 2.50
Deposit rate 0.50
Rediscount rate 1.75

Exchange rates

Table of 2018-08-14
1 EUR4.3001
1 USD3.7768
1 CHF3.8027
1 GBP4.8232
100 JPY3.4012

Economic outlook

Monthly data

Quarterly data

Financial markets



Narodowy Bank Polski
Świętokrzyska 11/21
00-919 Warszawa

+48 22 185 10 00
NIP: 525-000-81-98
REGON: 000002223
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