The housing gap (i.e. in simple terms: the difference between demand and the existing number of dwellings) is between 400 thousand and even 3 million dwellings in Poland, according to various estimates. Bank Gospodarstwa Krajowego has supported the housing development since its inception. Residential construction – providing Poles with access to dwellings and driving the economic growth – was the second largest area of BGK’s pre-war activities after lending to enterprises and state institutions. After almost one hundred years, the Bank’s mission has remained the same. We fulfil it through three main programmes.