Individual Pension Products Offered by Banks in Poland - a Multidimensional Comparative Analysis

Abstract The supplementary old-age pension system in Poland consists of group and individual plans. This research covers the latter, namely retirement accounts security that were introduced 2004 2012 respectively. main aim paper is to conduct a multidimensional comparative analysis bank products including linguistic complexity documents creating contracts offered individuals by banks, costliness profitability such period 2012-2019. Moreover, it identifies dependencies between economic traits banks. correlation conducted using Spearman’s rank coefficient showed more readable document contract is, higher interest rate cancellation fees. results study are relevant for both financial institutions public bodies as they show key characteristics may influence demand serve either stimulator or barrier development provision.