Banks tighten standards as real estate finance enters a new era

05
Jun
2025
News Article conference ESG financing Future of Real Estate Poland report Warsaw

by Property Forum | Report

The Polish real estate finance landscape is undergoing significant transformation, driven by new regulatory frameworks, sustainability requirements, and evolving market dynamics. A recent panel discussion at Property Forum's Future of Real Estate 2025 conference in Warsaw featuring top banking and real estate experts revealed the complex challenges and opportunities facing the sector.


The Capital Requirements Regulation (CRR3) is introducing unprecedented changes to real estate financing. Radosław Trymucha from mBank explained the nuanced approach, noting, "The new regulations split real estate into acquisition, development, construction, and existing premises. Regulators are applying risk weights to individual assets, which makes some market segments more attractive for financing than others."

Banks are adopting increasingly conservative strategies when evaluating potential investments. Elżbieta Chmielowska from BNP Paribas emphasised that location and investor credibility remain paramount. "We are interested in financing assets across all sectors, but we look for two critical elements: an exceptional location and an experienced investor who can effectively manage and maintain the project's long-term value," she stated.

Sustainability is becoming a crucial factor in real estate financing. The upcoming Energy Performance Building Directive is pushing banks to consider energy efficiency more seriously. Justyna Kedzierska-Klukowska from Berlin Hyp AG highlighted the importance of forward-looking investment strategies. "We've been examining energy efficiency and ESG factors for a long time. Our expectation is that if there are efficiency deficits, the building owner should have a clear vision for improvement and value preservation," she explained.

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New leases

  • Buchareast-based office project Floreasca Park has reached over 80% occupancy, following over 4,400 sqm of recent leasing activity. Leroy Merlin has leased 3,900 sqm, while IGEL Technology is occupying 515 sqm.
  • Henkel Romania has sold a 1,800 sqm property in central Bucharest, which served as its HQ, to a high-end residential developer. The deal was brokered by iO Partners.
  • The family shopping centre M1 Kraków, managed by EPP, is strengthening its gastronomic, service and sports offer. The group of new tenants includes Sports Direct, which is making its debut in the capital of Małopolska, as well as the oriental restaurant Asia Mama and the pet shop Maxi Zoo. In recent months, Cukiernia Sowa has also opened its doors to customers. MediaMarkt, McDonald's, HalfPrice and 4F, which presented an enlarged salon in the new BLACK concept, have decided to continue their cooperation with the Kraków facility and modernise their premises. All signed contracts cover over 6,000 sqm of space.

New appointments

  • Ewa Nowak, a commercial property valuer, has joined the Valuation Department of international real estate advisory firm Newmark Polska as Senior Associate.
  • Maciej Wieczorkiewicz is joining the Avison Young Technical Advisory team in Poland. Maciej is an experienced engineer with many years of experience in managing fit-out projects and investments in the commercial property sector. During his career development, he has worked for companies such as Made In Terior, TECAS Fitout and Colliers Define.
  • Tomáš Fabian has taken on the responsibility of leading the Czech commercial development team at Skanska as Executive Vice President Operations Czech Republic, while still keeping the current responsibilities as Executive Vice President Legal Counsel (CEE).


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