The commented judgment deserves at least few remarks First, owing to the weighty normative issues concerning the so-called principles of equity, and secondly, because the ruling is part of the current discussion regarding the axiology of certain applications of legal instruments of the contractual practice of financial institutions Namely, it concerns, in particular, two issues considered by the Supreme Court: the legal framework for the application of the construction of transfer of real estate for collateral and the admissibility of the application of Article 5 of the Polish Civil Code of statutory set-off The positions adopted in the comment- ed judgment should be approached with approval This is supported by the arguments provided in th...