Stenogram Sejmu · 2026-06-18

Mariusz Krystian

Kadencja 10 · posiedzenie 60 · wypowiedź 355

Brak głosu imiennego z tego dnia, który potwierdzałby klub mówcy.

Pełna wypowiedź

10. kadencja, 60. posiedzenie, 2. dzień (18-06-2026) 20. punkt porządku dziennego: Pierwsze czytanie rządowego projektu ustawy o zmianie ustawy - Prawo bankowe oraz niektórych innych ustaw (druk nr 2642). Poseł Mariusz Krystian (tekst niewygłoszony): Pytania 1. Projekt wprowadza minimalny próg kapitałowy na poziomie 72,5% wymogu obliczonego metodą standardową dla banków stosujących metodę IRB docelowo po zakończeniu 5-letniego okresu przejściowego. Polskie banki hipoteczne i spółdzielcze w znacznej części opierają swoją działalność na metodzie IRB, uzyskując istotnie niższe wymogi kapitałowe niż wynikałoby z metody standardowej. Czy Ministerstwo Finansów przeprowadziło symulację wpływu progu 72,5% na zdolność kredytową polskich banków i czy rząd przewiduje, że wdrożenie tego mechanizmu przełoży się na ograniczenie akcji kredytowej dla gospodarstw domowych i małych przedsiębiorstw? 2. Projekt zobowiązuje przewodniczącego KNF i jego zastępców do przestrzegania zakazu zatrudnienia w podmiotach nadzorowanych po zakończeniu pełnienia funkcji. Jednocześnie projekt nie określa wprost długości tego okresu ani precyzyjnego katalogu podmiotów świadczących usługi na rzecz nadzorowanych, co pozostawia istotną lukę interpretacyjną. Czy w ocenie rządu obecne brzmienie przepisu skutecznie eliminuje zjawisko efektu obrotowych drzwi między KNF a sektorem bankowym, czy też konieczne będą przepisy wykonawcze uszczelniające te regulacje? 3. Projekt wprowadza nową kategorię ekspozycji IPRE dla nieruchomości generujących dochód oraz ADC dla gruntów i budowy, przypisując im wyższe wagi ryzyka niż standardowym ekspozycjom hipotecznym. Polski rynek nieruchomości komercyjnych jest w fazie głębokiej korekty, a portfele kredytów dla deweloperów w kilku bankach już dziś wykazują podwyższony poziom odpisów. Jak wyższe wagi ryzyka dla ekspozycji ADC i IPRE wpłyną na wskaźniki kapitałowe polskich banków z dużą ekspozycją na rynek nieruchomości komercyjnych? Czy rząd rozważał odrębny okres przejściowy dla tych konkretnych kategorii? 4. Projekt nakłada na banki obowiązek opracowania planów przeciwdziałania ryzykom ESG oraz uwzględnienia ich w procesie oceny potrzeb kapitałowych. Jednocześnie projekt nie definiuje metodologii oceny tych ryzyk ani minimalnych standardów planów naprawczych, pozostawiając to w gestii KNF. Jakie kryteria KNF zastosuje przy ocenie adekwatności planów ESG banków i czy brak jednolitych standardów nie stworzy ryzyka arbitralności nadzorczej, w której banki o identycznych portfelach aktywów mogą być traktowane odmiennie? 5. Projekt przyznaje KNF prawo do nakazania oddziałowi banku zagranicznego klasy 1 złożenia wniosku o przekształcenie w bank krajowy, jeśli stwarza on znaczące ryzyko systemowe. Decyzja ta może skutkować koniecznością wyposażenia takiego podmiotu w pełen wymóg kapitałowy właściwy dla banku krajowego, co w praktyce może oznaczać de facto jego wykluczenie z rynku. Jakie kryteria, poza wskaźnikami znaczenia systemowego, KNF będzie stosować przy podejmowaniu tej decyzji i czy projekt przewiduje mechanizm odwoławczy zapewniający proporcjonalność tej ingerencji wobec zasady swobody prowadzenia działalności gospodarczej? Przebieg posiedzenia

Otwórz zachowany oryginał · Źródło urzędowe

Dowód treści wypowiedzi

Dowód kolejności na liście dnia

Kontekst w stenogramie

1. (4.66ms; exec 4.6 + fetch 0.06; rows 1) SELECT s.object_id AS statement_id, s.statement_number, s.speaker_name, s.source_member_id, mp.object_id AS member_id, d…

2. (1.81ms; exec 1.78 + fetch 0.03; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extracti…

3. (1.17ms; exec 1.14 + fetch 0.03; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6496 ORDER BY ordinal

4. (1.47ms; exec 1.42 + fetch 0.05; rows 4) SELECT statement.object_id, statement.statement_number, statement.speaker_name, dayStatement.ordinal FROM sejm_transcrip…

5. (1.41ms; exec 1.39 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.obje…

6. (0.88ms; exec 0.86 + fetch 0.02; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extracti…

7. (1.06ms; exec 1.05 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6494 ORDER BY ordinal

8. (1.09ms; exec 1.08 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.obje…

9. (0.77ms; exec 0.75 + fetch 0.01; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extracti…

10. (0.58ms; exec 0.57 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6495 ORDER BY ordinal

11. (0.98ms; exec 0.97 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.obje…

12. (0.68ms; exec 0.67 + fetch 0.01; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extracti…

13. (0.8ms; exec 0.75 + fetch 0.05; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6497 ORDER BY ordinal

14. (1.01ms; exec 1 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.obje…

15. (0.94ms; exec 0.93 + fetch 0.02; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extracti…

16. (0.8ms; exec 0.79 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6498 ORDER BY ordinal

17. (5.64ms; exec 5.61 + fetch 0.03; rows 0) SELECT individual.raw_club, individual.evidence_id, f.requested_url FROM sejm_individual_votes individual JOIN sejm_vote…

1. (4.66ms; exec 4.6 + fetch 0.06; rows 1) SELECT s.object_id AS statement_id, s.statement_number, s.speaker_name, s.source_member_id, mp.object_id AS member_id, day.object_id AS day_id, day.term, day.proceeding_number, day.source_date, day.current_revision_id AS day_revision_id, dayStatement.ordinal, dayEvidence.id AS list_evidence_id, dayEvidence.selector_type AS list_selector_type, dayEvidence.selector AS list_selector, dayFetch.id AS list_fetch_id, dayFetch.requested_url AS list_source_url, dayArtifact.sha256 AS list_sha256, binding.artifact_id, binding.evidence_id AS transcript_evidence_id, transcriptEvidence.selector_type AS transcript_selector_type, transcriptEvidence.selector AS transcript_selector, transcriptFetch.id AS transcript_fetch_id, transcriptFetch.requested_url AS transcript_source_url, artifact.sha256 AS transcript_sha256, artifact.detected_mime, artifact.byte_size FROM sejm_statements s JOIN sejm_transcript_days day ON day.object_id = s.transcript_day_id LEFT JOIN sejm_mp_identities mp ON mp.term = day.term AND mp.mp_number = s.source_member_id LEFT JOIN sejm_transcript_day_statements dayStatement ON dayStatement.day_id = day.object_id AND dayStatement.day_revision_id = day.current_revision_id AND dayStatement.statement_id = s.object_id LEFT JOIN evidence dayEvidence ON dayEvidence.id = dayStatement.evidence_id LEFT JOIN fetches dayFetch ON dayFetch.id = dayEvidence.fetch_id LEFT JOIN artifacts dayArtifact ON dayArtifact.id = dayEvidence.artifact_id LEFT JOIN documents document ON document.owner_object_id = day.object_id AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', s.statement_number) LEFT JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) LEFT JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL LEFT JOIN evidence transcriptEvidence ON transcriptEvidence.id = binding.evidence_id LEFT JOIN fetches transcriptFetch ON transcriptFetch.id = transcriptEvidence.fetch_id LEFT JOIN artifacts artifact ON artifact.id = binding.artifact_id WHERE s.object_id = 16495 LIMIT 1

2. (1.81ms; exec 1.78 + fetch 0.03; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24290 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

3. (1.17ms; exec 1.14 + fetch 0.03; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6496 ORDER BY ordinal

4. (1.47ms; exec 1.42 + fetch 0.05; rows 4) SELECT statement.object_id, statement.statement_number, statement.speaker_name, dayStatement.ordinal FROM sejm_transcript_day_statements dayStatement JOIN sejm_statements statement ON statement.object_id = dayStatement.statement_id WHERE dayStatement.day_id = 16139 AND dayStatement.day_revision_id = 15745 AND dayStatement.ordinal BETWEEN 353 AND 357 AND statement.object_id <> 16495 ORDER BY dayStatement.ordinal

5. (1.41ms; exec 1.39 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL WHERE document.owner_object_id = 16139 AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', 353) LIMIT 1

6. (0.88ms; exec 0.86 + fetch 0.02; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24276 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

7. (1.06ms; exec 1.05 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6494 ORDER BY ordinal

8. (1.09ms; exec 1.08 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL WHERE document.owner_object_id = 16139 AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', 354) LIMIT 1

9. (0.77ms; exec 0.75 + fetch 0.01; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24289 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

10. (0.58ms; exec 0.57 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6495 ORDER BY ordinal

11. (0.98ms; exec 0.97 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL WHERE document.owner_object_id = 16139 AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', 356) LIMIT 1

12. (0.68ms; exec 0.67 + fetch 0.01; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24291 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

13. (0.8ms; exec 0.75 + fetch 0.05; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6497 ORDER BY ordinal

14. (1.01ms; exec 1 + fetch 0.01; rows 1) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL WHERE document.owner_object_id = 16139 AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', 357) LIMIT 1

15. (0.94ms; exec 0.93 + fetch 0.02; rows 1) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24292 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

16. (0.8ms; exec 0.79 + fetch 0.01; rows 1) SELECT source_text FROM text_segments WHERE extraction_id = 6498 ORDER BY ordinal

17. (5.64ms; exec 5.61 + fetch 0.03; rows 0) SELECT individual.raw_club, individual.evidence_id, f.requested_url FROM sejm_individual_votes individual JOIN sejm_votes vote ON vote.object_id = individual.vote_id AND vote.current_revision_id = individual.vote_revision_id JOIN object_revisions revision ON revision.id = vote.current_revision_id JOIN evidence e ON e.id = individual.evidence_id JOIN fetches f ON f.id = e.fetch_id WHERE vote.term = 10 AND vote.sitting_number = 60 AND individual.mp_number = 193 AND LEFT(JSON_VALUE(revision.snapshot, '$.date'), 10) = '2026-06-18' AND individual.raw_club IS NOT NULL AND individual.raw_club <> '' ORDER BY vote.voting_number DESC

5.64ms SELECT individual.raw_club, individual.evidence_id, f.requested_url FROM sejm_individual_votes indiv…

4.66ms SELECT s.object_id AS statement_id, s.statement_number, s.speaker_name, s.source_member_id, mp.objec…

1.81ms SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run …

5.64ms SELECT individual.raw_club, individual.evidence_id, f.requested_url FROM sejm_individual_votes individual JOIN sejm_votes vote ON vote.object_id = individual.vote_id AND vote.current_revision_id = individual.vote_revision_id JOIN object_revisions revision ON revision.id = vote.current_revision_id JOIN evidence e ON e.id = individual.evidence_id JOIN fetches f ON f.id = e.fetch_id WHERE vote.term = 10 AND vote.sitting_number = 60 AND individual.mp_number = 193 AND LEFT(JSON_VALUE(revision.snapshot, '$.date'), 10) = '2026-06-18' AND individual.raw_club IS NOT NULL AND individual.raw_club <> '' ORDER BY vote.voting_number DESC

4.66ms SELECT s.object_id AS statement_id, s.statement_number, s.speaker_name, s.source_member_id, mp.object_id AS member_id, day.object_id AS day_id, day.term, day.proceeding_number, day.source_date, day.current_revision_id AS day_revision_id, dayStatement.ordinal, dayEvidence.id AS list_evidence_id, dayEvidence.selector_type AS list_selector_type, dayEvidence.selector AS list_selector, dayFetch.id AS list_fetch_id, dayFetch.requested_url AS list_source_url, dayArtifact.sha256 AS list_sha256, binding.artifact_id, binding.evidence_id AS transcript_evidence_id, transcriptEvidence.selector_type AS transcript_selector_type, transcriptEvidence.selector AS transcript_selector, transcriptFetch.id AS transcript_fetch_id, transcriptFetch.requested_url AS transcript_source_url, artifact.sha256 AS transcript_sha256, artifact.detected_mime, artifact.byte_size FROM sejm_statements s JOIN sejm_transcript_days day ON day.object_id = s.transcript_day_id LEFT JOIN sejm_mp_identities mp ON mp.term = day.term AND mp.mp_number = s.source_member_id LEFT JOIN sejm_transcript_day_statements dayStatement ON dayStatement.day_id = day.object_id AND dayStatement.day_revision_id = day.current_revision_id AND dayStatement.statement_id = s.object_id LEFT JOIN evidence dayEvidence ON dayEvidence.id = dayStatement.evidence_id LEFT JOIN fetches dayFetch ON dayFetch.id = dayEvidence.fetch_id LEFT JOIN artifacts dayArtifact ON dayArtifact.id = dayEvidence.artifact_id LEFT JOIN documents document ON document.owner_object_id = day.object_id AND document.document_kind = 'statement_transcript' AND document.source_document_key = CONCAT('sejm:statement:', s.statement_number) LEFT JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) LEFT JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = 'html' AND binding.current_selector_sha IS NOT NULL LEFT JOIN evidence transcriptEvidence ON transcriptEvidence.id = binding.evidence_id LEFT JOIN fetches transcriptFetch ON transcriptFetch.id = transcriptEvidence.fetch_id LEFT JOIN artifacts artifact ON artifact.id = binding.artifact_id WHERE s.object_id = 16495 LIMIT 1

1.81ms SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = 24290 AND run.state = 'completed' ORDER BY CASE extraction.quality_state WHEN 'success' THEN 0 WHEN 'unreadable' THEN 1 ELSE 2 END, run.finished_at DESC, extraction.id DESC LIMIT 1

5× (5.08ms) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing…

5× (4.41ms) SELECT source_text FROM text_segments WHERE extraction_id = ? ORDER BY ordinal

4× (4.49ms) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON versi…

5× (5.08ms) SELECT extraction.id, extraction.quality_state FROM extractions extraction JOIN processing_runs run ON run.id = extraction.run_id WHERE extraction.source_artifact_id = ? AND run.state = ? ORDER BY CASE extraction.quality_state WHEN ? THEN ? WHEN ? THEN ? ELSE ? END, run.finished_at DESC, extraction.id DESC LIMIT ?

5× (4.41ms) SELECT source_text FROM text_segments WHERE extraction_id = ? ORDER BY ordinal

4× (4.49ms) SELECT binding.artifact_id FROM documents document JOIN document_versions version ON version.document_id = document.object_id AND version.sequence_no = (SELECT MAX(latest.sequence_no) FROM document_versions latest WHERE latest.document_id = document.object_id) JOIN document_version_artifacts binding ON binding.version_id = version.object_id AND binding.role = ? AND binding.current_selector_sha IS NOT NULL WHERE document.owner_object_id = ? AND document.document_kind = ? AND document.source_document_key = CONCAT(?, ?) LIMIT ?

(0.27ms) /app/templates/speeches/show.php

/app/public/index.php

/app/vendor/autoload.php

/app/vendor/composer/autoload_real.php

/app/vendor/composer/platform_check.php

/app/vendor/composer/ClassLoader.php

/app/vendor/composer/autoload_static.php

/app/vendor/symfony/deprecation-contracts/function.php

/app/vendor/symfony/polyfill-php83/bootstrap.php

/app/lib/PFrame.php

/app/config/credentials/local.php

/app/src/Http/PublicResponseCache.php

/app/src/Http/AuthRoutes.php

/app/src/Http/ReviewDecisionRoutes.php

/app/src/Http/TopicDecisionRoutes.php

/app/src/Http/WatchRoutes.php

/app/src/Http/SpeechController.php

/app/src/Overview/SpeechReadModel.php

/app/src/Text/TextSearch.php

/app/templates/layout.php