Judgment on the WIBOR indicator favorable to banks

On October 29, 2026, the Białystok Court of Appeal upheld a ruling regarding a WIBOR-based loan agreement, favoring the bank. This decision is seen as part of a trend favoring banks in similar cases. The court stated that the contractual terms were not unfair simply because the bank did not inform consumers about the data used to calculate WIBOR. The ruling emphasized that WIBOR is publicly available and that borrowers should understand its implications. The case may be escalated to the Supreme Court, as the legal representatives of the borrowers disagree with the ruling, citing a lack of consideration for key arguments regarding the compliance of WIBOR with EU regulations.