They all provide basic banking services. Banks are limited by law in their exposure to any single creditor. Due to capitalization requirements, large loans must sometimes be shared between two or more banks. Banks charge rates of interest are based on the NBP refinancing rate plus bank surcharges and front-end fees. Import financing procedures in Poland adhere to Western business practice.
All payments go through foreign exchange banks.
Most banks in Poland require that the importer deposit funds prior to issuance of a letter of credit. Because of its size, Commercial Bank can make larger loans than most entities in Poland, which are often limited by regulations concerning size of loans relative to a bank's total capital. Commercial Bank accepts various types of securities. Polish Development Bank uses a straightforward project finance structure. U.S. banks in Poland.