{"id":12831,"date":"2026-07-10T10:30:42","date_gmt":"2026-07-10T08:30:42","guid":{"rendered":"https:\/\/jklaw.pl\/glosa-ekspertow-kancelarii-jablonski-kozminski-i-wspolnicy-na-lamach-miesiecznika-bezpieczny-bank\/"},"modified":"2026-08-16T16:28:00","modified_gmt":"2026-08-16T14:28:00","slug":"case-note-by-experts-from-jablonski-kozminski-partners-published-in-the-bezpieczny-bank-journal","status":"publish","type":"post","link":"https:\/\/jklaw.pl\/en\/case-note-by-experts-from-jablonski-kozminski-partners-published-in-the-bezpieczny-bank-journal\/","title":{"rendered":"Case note by experts from Jab\u0142o\u0144ski Ko\u017ami\u0144ski &amp; Partners published in the\u00a0Bezpieczny Bank\u00a0journal"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Following the judgment of the\u00a0<strong>Court of Justice of the European Union in Case C-471\/24<\/strong>, the narrative promoted by numerous entities encouraging borrowers on a mass scale to challenge the WIBOR benchmark has come up against the realities of the legal framework.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The latest issue of the quarterly journal&nbsp;<strong><em>Bezpieczny Bank<\/em>&nbsp;(No. 1(102), 2026)<\/strong>, published by the&nbsp;<strong>Bank Guarantee Fund (BFG)<\/strong>, features one of the first&nbsp;<strong>case notes endorsing the judgment<\/strong>. Its authors are&nbsp;<strong>Professor Krzysztof Ko\u017ami\u0144ski, Managing Partner at Jab\u0142o\u0144ski Ko\u017ami\u0144ski &amp; Partners and Professor at the University of Warsaw<\/strong>, and&nbsp;<strong>Patryk Grochowski, LL.M., trainee attorney-at-law and Associate<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more than thirty years,&nbsp;<strong>WIBOR has served as a standard market benchmark reflecting the time value of money<\/strong>. Attempts to artificially redefine its role through litigation have now lost some of their most prominent arguments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The JKLAW experts directly address and dispel a number of widely circulated misconceptions surrounding PLN-denominated loans.&nbsp;<strong>Why can \u2013 and should \u2013 ordinary courts not challenge the WIBOR benchmark?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We invite you to read the\u00a0<a href=\"https:\/\/ojs.bfg.pl\/index.php\/bb\/issue\/view\/91\" target=\"_blank\" rel=\"noopener\">full analysis<\/a>, in which the authors examine in detail the relationship between EU consumer law and the stability of the Polish banking sector as a whole.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Following the judgment of the\u00a0Court of Justice of the European Union in Case C-471\/24, the narrative promoted by numerous entities encouraging borrowers on a mass scale to challenge the WIBOR benchmark has come up against the realities of the legal framework. The latest issue of the quarterly journal&nbsp;Bezpieczny Bank&nbsp;(No. 1(102), 2026), published by the&nbsp;Bank Guarantee&#8230;<\/p>\n","protected":false},"author":1,"featured_media":12733,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[118,125],"tags":[],"obszary-praktyki":[],"ppma_author":[259,308],"class_list":["post-12831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-scientific-publications"],"acf":[],"taxonomy_info":{"category":[{"value":118,"label":"News"},{"value":125,"label":"Scientific publications"}]},"featured_image_src_large":["https:\/\/jklaw.pl\/wp-content\/uploads\/2026\/07\/2026-GRAFIKI-JKLAW_blog-85-1024x576.png",1024,576,true],"author_info":{"display_name":"Administrator","author_link":"https:\/\/jklaw.pl\/en\/author\/administrator\/"},"comment_info":0,"category_info":[{"term_id":118,"name":"News","slug":"news","term_group":0,"term_taxonomy_id":118,"taxonomy":"category","description":"","parent":0,"count":286,"filter":"raw","term_order":"0","cat_ID":118,"category_count":286,"category_description":"","cat_name":"News","category_nicename":"news","category_parent":0},{"term_id":125,"name":"Scientific publications","slug":"scientific-publications","term_group":0,"term_taxonomy_id":125,"taxonomy":"category","description":"","parent":0,"count":21,"filter":"raw","term_order":"0","cat_ID":125,"category_count":21,"category_description":"","cat_name":"Scientific publications","category_nicename":"scientific-publications","category_parent":0}],"tag_info":false,"authors":[{"term_id":259,"user_id":0,"is_guest":1,"slug":"dr-hab-krzysztof-kozminski-en","display_name":"dr hab. Krzysztof Ko\u017ami\u0144ski","avatar_url":{"url":"https:\/\/jklaw.pl\/wp-content\/uploads\/2023\/08\/zdjecia-czlonkow-zespolu-800x1200-px.png","url2x":"https:\/\/jklaw.pl\/wp-content\/uploads\/2023\/08\/zdjecia-czlonkow-zespolu-800x1200-px.png"},"first_name":"dr hab. Krzysztof","last_name":"Ko\u017ami\u0144ski, prof. UW","funkcja":"Attorney-at-law, Managing partner","telefon":"+48 602 359 329","job_title":"","linkedin":"https:\/\/www.linkedin.com\/in\/dr-hab-krzysztof-ko%C5%BAmi%C5%84ski-95255a195\/","description":""},{"term_id":308,"user_id":0,"is_guest":1,"slug":"patryk-grochowski-en","display_name":"Patryk Grochowski","avatar_url":{"url":"https:\/\/jklaw.pl\/wp-content\/uploads\/2024\/10\/Patryk-Grochowski-800x1200-px-1.png","url2x":"https:\/\/jklaw.pl\/wp-content\/uploads\/2024\/10\/Patryk-Grochowski-800x1200-px-1.png"},"first_name":"Patryk","last_name":"Grochowski","funkcja":"Associate","telefon":"+48 22 416 60 04","job_title":"Associate","linkedin":"https:\/\/www.linkedin.com\/in\/patryk-grochowski-542906202\/","description":""}],"_links":{"self":[{"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/posts\/12831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/comments?post=12831"}],"version-history":[{"count":1,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/posts\/12831\/revisions"}],"predecessor-version":[{"id":12833,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/posts\/12831\/revisions\/12833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/media\/12733"}],"wp:attachment":[{"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/media?parent=12831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/categories?post=12831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/tags?post=12831"},{"taxonomy":"obszary-praktyki","embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/obszary-praktyki?post=12831"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/jklaw.pl\/en\/wp-json\/wp\/v2\/ppma_author?post=12831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}