In the same year, the financial headquarters for the existing savings and loan unions called Centralna Kasa Spółek Rolniczych in Warsaw was established.

[2] An important moment in the bank's history was the year 1994, when it was transformed into a joint-stock company.

In the same year, BGŻ started cooperation with the Agency for Restructuring and Modernization of Agriculture.

An agreement was signed on the conditions and procedure for granting subsidies to interest on loans granted from the bank's funds for the implementation of economic projects related to the development of agriculture and food economy, covered by industry or regional programs.

[8] In 2023 the bank was fined for restricting applications for the credit holidays, a program allowing Polish loan holders to postpone payment installments to help them with the rising cost of living, to a maximum of two months instead of the required eight.