{"data":{"id":"finwire_npl_forecast","name":"Stres kredytowy wyprzedzający finwire","shortName":"Kredyty zagrożone za 2 kw.","group":"kredyt","status":"live","unit":"percent","unitLabel":null,"precision":2,"periodType":"month","methodVersion":1,"latest":{"period":"2027-02","periodLabel":"luty 2027 (prognoza)","value":1.01},"previous":{"period":"2026-08","value":1.17},"change":-0.16,"changeKind":"pp","direction":"down","updatedAt":"2026-11-07T00:09:33.883Z","stale":false,"description":"Prognoza udziału kredytów mieszkaniowych gospodarstw domowych z utratą wartości (Faza 3 wg KNF) za 2 kwartały, z przedziałem 80%, z WIBOR 3M, bezrobocia i dotychczasowego trendu portfela. Publikowana tylko wtedy, gdy trafność w teście na danych z przeszłości jest powyżej progu.","sources":["KNF, dane miesięczne sektora bankowego","GUS (bezrobocie rejestrowane)","GPW Benchmark"],"aliases":[],"usesBenchmarkRate":true,"ref":"https://public-api.finwire.pl/v1/finwire-index/finwire_npl_forecast","pageUrl":"https://finwire.pl/mapa-stresu-kredytowego#kredyty-zagrozone","methodologyUrl":"https://finwire.pl/mapa-stresu-kredytowego#kredyty-zagrozone-metoda","citation":"Source: Stres kredytowy wyprzedzający finwire (finwire_npl_forecast, method v1), finwire.pl, https://finwire.pl/mapa-stresu-kredytowego#kredyty-zagrozone, CC BY 4.0","requestedId":"finwire_npl_forecast","history":[{"period":"2021-06","periodLabel":"czerwiec 2021","value":2.62},{"period":"2021-07","periodLabel":"lipiec 2021","value":2.57},{"period":"2021-08","periodLabel":"sierpień 2021","value":2.6},{"period":"2021-09","periodLabel":"wrzesień 2021","value":2.59},{"period":"2021-10","periodLabel":"październik 2021","value":2.55},{"period":"2021-11","periodLabel":"listopad 2021","value":2.5},{"period":"2021-12","periodLabel":"grudzień 2021","value":2.46},{"period":"2022-01","periodLabel":"styczeń 2022","value":2.44},{"period":"2022-02","periodLabel":"luty 2022","value":2.4},{"period":"2022-03","periodLabel":"marzec 2022","value":2.37},{"period":"2022-04","periodLabel":"kwiecień 2022","value":2.33},{"period":"2022-05","periodLabel":"maj 2022","value":2.27},{"period":"2022-06","periodLabel":"czerwiec 2022","value":2.17},{"period":"2022-07","periodLabel":"lipiec 2022","value":2.06},{"period":"2022-08","periodLabel":"sierpień 2022","value":2.04},{"period":"2022-09","periodLabel":"wrzesień 2022","value":1.95},{"period":"2022-10","periodLabel":"październik 2022","value":1.85},{"period":"2022-11","periodLabel":"listopad 2022","value":1.95},{"period":"2022-12","periodLabel":"grudzień 2022","value":2.18},{"period":"2023-01","periodLabel":"styczeń 2023","value":2.52},{"period":"2023-02","periodLabel":"luty 2023","value":2.66},{"period":"2023-03","periodLabel":"marzec 2023","value":2.72},{"period":"2023-04","periodLabel":"kwiecień 2023","value":2.1},{"period":"2023-05","periodLabel":"maj 2023","value":1.96},{"period":"2023-06","periodLabel":"czerwiec 2023","value":2.17},{"period":"2023-07","periodLabel":"lipiec 2023","value":2.21},{"period":"2023-08","periodLabel":"sierpień 2023","value":2.23},{"period":"2023-09","periodLabel":"wrzesień 2023","value":2.23},{"period":"2023-10","periodLabel":"październik 2023","value":2.11},{"period":"2023-11","periodLabel":"listopad 2023","value":2.05},{"period":"2023-12","periodLabel":"grudzień 2023","value":2.2},{"period":"2024-01","periodLabel":"styczeń 2024","value":2.18},{"period":"2024-02","periodLabel":"luty 2024","value":2.2},{"period":"2024-03","periodLabel":"marzec 2024","value":2.19},{"period":"2024-04","periodLabel":"kwiecień 2024","value":2.19},{"period":"2024-05","periodLabel":"maj 2024","value":2.18},{"period":"2024-06","periodLabel":"czerwiec 2024","value":2.19},{"period":"2024-07","periodLabel":"lipiec 2024","value":2.16},{"period":"2024-08","periodLabel":"sierpień 2024","value":2.14},{"period":"2024-09","periodLabel":"wrzesień 2024","value":2.09},{"period":"2024-10","periodLabel":"październik 2024","value":2.05},{"period":"2024-11","periodLabel":"listopad 2024","value":2.04},{"period":"2024-12","periodLabel":"grudzień 2024","value":1.88},{"period":"2025-01","periodLabel":"styczeń 2025","value":1.86},{"period":"2025-02","periodLabel":"luty 2025","value":1.8},{"period":"2025-03","periodLabel":"marzec 2025","value":1.73},{"period":"2025-04","periodLabel":"kwiecień 2025","value":1.68},{"period":"2025-05","periodLabel":"maj 2025","value":1.63},{"period":"2025-06","periodLabel":"czerwiec 2025","value":1.5},{"period":"2025-07","periodLabel":"lipiec 2025","value":1.46},{"period":"2025-08","periodLabel":"sierpień 2025","value":1.45},{"period":"2025-09","periodLabel":"wrzesień 2025","value":1.41},{"period":"2025-10","periodLabel":"październik 2025","value":1.39},{"period":"2025-11","periodLabel":"listopad 2025","value":1.37},{"period":"2025-12","periodLabel":"grudzień 2025","value":1.34},{"period":"2026-01","periodLabel":"styczeń 2026","value":1.35},{"period":"2026-02","periodLabel":"luty 2026","value":1.36},{"period":"2026-03","periodLabel":"marzec 2026","value":1.34},{"period":"2026-04","periodLabel":"kwiecień 2026","value":1.33},{"period":"2026-05","periodLabel":"maj 2026","value":1.27},{"period":"2026-06","periodLabel":"czerwiec 2026","value":1.21},{"period":"2026-07","periodLabel":"lipiec 2026","value":1.19},{"period":"2026-08","periodLabel":"sierpień 2026","value":1.17},{"period":"2027-02","periodLabel":"luty 2027 (prognoza)","value":1.01}],"license":"CC BY 4.0 - attribution finwire.pl required"},"meta":{"datasetId":"finwire-index","source":"finwire.pl","sourceUrl":"https://finwire.pl/indeksy","license":"CC BY 4.0 - attribution finwire.pl required","asOf":"2027-02","fetchedAt":"2026-11-07T01:47:16.803Z","citation":"Source: finwire.pl (finwire.pl), https://public-api.finwire.pl/datasets/finwire-index","docsUrl":"https://public-api.finwire.pl/datasets/finwire-index"}}