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Poland Banking Sector Analysis

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Report Summary

Poland Banking Sector Analysis provides extensive research and rational analysis on the banking industry of the European country Poland. This report helps clients in analyzing the opportunities, challenges and drivers critical to the growth of the country’s banking industry and provides the future overview of the industry in terms of banking products. The report underlines the factors, which make Poland one of the top three banking industries in Eastern Europe region. Growing economy, with rising credit demand, makes Poland a favorable destination for investment in banking sector. The banking sector of Poland is mainly dominated by foreign-owned institutions that currently account for majority of banking assets. Also, the Polish banking industry is expected to witness further consolidation in future as the industry is anticipated to take an organic route for growth. Low penetration of banking services makes Poland an attractive destination to capture the market with standard or customized products depending upon the needs of the Polish people. Strong regulatory environment and association support creates a level playing field and equal opportunities for all the players operating in the market. The report provides detailed overview of the banking industry in Poland by contemplating and analyzing various parameters like assets size, income level etc. It helps clients to understand various products available in Poland banking industry and their future scope. The forecast given in this report is not based on a complex economic model, but is intended as a rough guide to the direction in which the market is likely to move. The future projection undertaken in this report is done on the basis of the current market scenario, past trends, and rules and regulations laid by National Bank of Poland. Key Findings of the Report Poland is the second largest banking industry in Eastern Europe. Financial card market in Poland grew at a CAGR of 13.25% from 2000 to 2006. Credit card market moved ahead at a CAGR of 56.53% from 2000 to 2007. Banking sector assets in the country rose at a CAGR of 8.53% from 2000 to 2007. The mortgage finance market in Poland is expected to cross Euro 70 Billion mark by 2011 increasing at a CAGR of more than 30%. The consumer lending will surge at a CAGR of 18.41% during 2008-2011. The mortgage-based loans disbursed to corporate in Poland increased by a CAGR of 10.16% from 2003 to 2006. The number of bankable households in Poland was 11.4 Million in 2007 that grew at a CAGR of 13.62% from 2001. Key Issues & Facts Analyzed in the Report Market analysis of different product segments in the banking industry. Evaluation of current market trends. Factors responsible for the growth of banking industry in Poland. Analysis of various challenges and opportunities for the industry. Household and corporate loan portfolio of the banks. Future growth areas for the banking industry in the country. Commercial and cooperative banking industry in Poland. Key Players Analyzed This section covers the key facts about the major players in the Poland banking industry, including PKO Bank Polski, Bank Pekao S.A., Bank BPH, BRE Bank and Bank Handlowy. Research Methodology Used Information Sources Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases. Analysis Method The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.

Table of Contents

1. Analyst View
2. Eastern Europe Banking Industry
2.1 Assets
2.2 Deposits
2.3 Loans
3. Why Poland Banking Industry?
3.1 Increasing Bankable Household
3.2 Strong Regulatory Environment
3.3 Declining Interest Rates
3.4 Rising Bankable Household Lending
3.5 Low Banking Sector Risk
3.6 Increasing Retail Lending by Commercial Banks
3.7 Retail E-Commerce
4. Poland Banking Industry Performance
4.1 Assets
4.2 Loans
4.3 Deposits
4.4 Capital Adequacy Ratio & Regulatory Capital
4.5 Cost/Income Ratio
4.6 Net Income
5. By Product
5.1 Deposits
5.1.1 Household Deposits
5.1.2 Corporate Deposits
5.1.3 Other Customers/Non-Profit Institutions Serving Households
5.2 Loans.
5.2.1 Household Loans
5.2.1.1 Credit Card Loans
5.2.1.2 Real Estate Loans
5.2.1.3 Authorized Overdrafts
5.2.1.4 Project Finance & Business Development Loans
5.2.2 Corporate Loans
5.2.2.1 Credit Card Loans
5.2.2.2 Real Estate Loans
5.2.2.3 Authorized Overdrafts
5.2.2.4 Project Finance & Business Development Loans
5.3 Financial Cards
5.3.1 Debit Cards
5.3.2 Credit Cards
5.3.3 Charge/ Smart Cards
5.3.4 ATMs
6. Future Growth Areas
6.1 Low Banking Penetration
6.2 Mortgage Finance
6.3 Corporate Loans
6.4 Consumer Loans
7. Roadblocks for the Industry & RNCOS Recommendations
7.1 Slow Deposit Growth
7.2 Overheating Banking Industry
7.3 Basel II Accords
8. Key Players
8.1 PKO Bank Polski
8.2 Bank Pekao S.A.
8.3 Bank BPH
8.4 BRE Bank
8.5 Bank Handlowy

List of Figures:

Figure 2-1: Eastern Europe - Assets of Banking Industry (in Billion US$), 2001-2007E
Figure 2-2: Eastern Europe - Assets of Banking Industry by Country (in Billion US$), 2007E
Figure 2-3: Eastern Europe - Assets of Banking Industry by Country (in Billion US$), 2007E
Figure 2-4: Eastern Europe - Deposits of Banking Industry by Country (in Billion US$), 2007E
Figure 2-5: Eastern Europe - Loans of Banking Industry (in Billion US$), 2001-2007E
Figure 2-6: Eastern Europe - Loans of Banking Industry by Country (in Billion US$), 2007E
Figure 3-1: Poland - Number of Bankable Households (in Million), 2001-2007E
Figure 3-2: Poland - Household Average Interest Rate for Loans (%), Jan 2005 to Jun 2007
Figure 3-3: Poland - Bankable Household Lending (in US$), 2001-2007E
Figure 3-4: Poland - Banking Industry Risk (Mar 2007 to Aug 2007)
Figure 3-5: Poland - Growth in Household & Consumer Loans* (%), 2003-2006
Figure 3-6: Poland - Share of Internet Users Shopping Online (%), 2001-2006
Figure 4-1: Poland - Assets of Banking Industry (in Billion Zloty), 2000-2007E
Figure 4-2: Poland - Forecast for Assets of Banking Industry (in Billion Zloty), 2008-2012
Figure 4-3: Poland - Assets of Commercial Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 4-4: Poland - Assets of Co-operative Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 4-5: Poland - Loans of Commercial Banks (in Billion Zloty), 2003–2006 & Mar 2007
Figure 4-6: Poland - Loans of Commercial Banks to Household & Corporate (in Billion Zloty), 2003–2006 & Mar 2007
Figure 4-7: Poland – Forecast for Loans of Commercial Banks (in Billion Zloty), 2008-2012
Figure 4-8: Poland - Deposits of Banking Industry (in Billion Zloty), 2000-2007E
Figure 4-9: Poland - Deposits of Commercial Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 4-10: Poland - Forecast for Deposits of Banking Industry (in Billion Zloty), 2008-2012
Figure 4-11: Poland - Risk-based Ratio (%) & Regulatory Capital (in Billion Zloty) of Domestic Commercial Banks (2002-2006)
Figure 4-12: Poland - Risk-based Ratio (%) & Regulatory Capital (in Billion Zloty) of Co-operative Banks (2002-2006)
Figure 4-13: Poland - Cost/Income Ratio of Banking Industry (%), 2000-2006
Figure 4-14: Poland - Cost/Income Ratio of Commercial & Co-operative Banks (%), 2000-2006
Figure 4-15: Poland - Net Income of Banking Industry (in Billion Zloty), 2000–2006 & Mar 2007
Figure 4-16: Poland - Net Income of Commercial Banks (in Billion Zloty), 2000–2006 & Mar 2007
Figure 4-17: Poland - Net Income of Co-operative Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 5-1: Poland - Household Deposits of Banking Industry (in Billion Zloty), 2000-2006 & Mar 2007
Figure 5-2: Poland - Household Deposits of Commercial Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 5-3: Poland - Growth Rate of Household Demand & Time Deposits (%), 2003-2006
Figure 5-4: Poland - Corporate Deposits of Banking Industry (in Billion Zloty), 2000–2006 & Mar 2007
Figure 5-5: Poland - Corporate Deposits of Commercial Banks (in Billion Zloty), 2000-2006 & Mar 2007
Figure 5-6: Poland - Growth Rate of Corporate Demand & Time Deposits (%), 2003-2006
Figure 5-7: Poland - Non-Profit Institution Deposits of Banking Industry (in Billion Zloty), 2000-2006 & Mar 2007
Figure 5-8: Poland - Household Credit Card Loans of Commercial Banks (in Billion Zloty), 2005, 2006 & Mar 2007
Figure 5-9: Poland - Household Real Estate Loans of Commercial Banks (in Billion Zloty), 2003-2006 & Mar 2007
Figure 5-10: Poland - Household Authorized Overdrafts of Commercial Banks (in Billion Zloty), 2003-2006 & Mar 2007
Figure 5-11: Poland - Household Project Finance & Business Development Loans of Commercial Banks (in Billion Zloty), 2003-2006 & Mar 2007
Figure 5-12: Poland - Corporate Credit Card Loans of Commercial Banks (in Million Zloty), 2003– 2006
Figure 5-13: Poland - Corporate Real Estate Loans of Commercial Banks (in Billion Zloty), 2003-2006 & Mar 2007
Figure 5-14: Poland - Corporate Authorized Overdrafts of Commercial Banks (in Billion Zloty), 2003–2006 & Mar 2007
Figure 5-15: Poland - Corporate Project Finance & Business Development Loans of Commercial Banks (in Billion Zloty), 2003-2006 & Mar 2007
Figure 5-16: Poland - Number of Financial Cards (in Million), 2000-2006
Figure 5-17: Poland - Transaction by Financial Cards (in Billion Zloty), 2000-2006
Figure 5-18: Poland - Number of Debit Cards (in Million), 2000-2007E
Figure 5-19: Poland - Transaction by Debit Cards (in Billion Zloty), 2000-2006
Figure 5-20: Poland - Forecast for Number of Debit Cards (in Million), 2008-2011
Figure 5-21: Poland - Number of Credit Cards (in Million), 2000-2007E
Figure 5-22: Poland - Transaction by Credit Cards (in Billion Zloty), 2000-2006
Figure 5-23: Poland - Forecast for Number of Credit Cards (in Million), 2008-2011
Figure 5-24: Poland - Number of Charge/Smart Cards (in Million), 2000-2006
Figure 5-25: Poland - Transaction by Charge/Smart Cards (in Billion Zloty), 2000-2006
Figure 5-26: Poland - Number of ATMs (2002–2006 & Q3 2007)
Figure 6-1: Poland & Euro Zone - Penetration of Consumer, Corporate & Mortgages Lending (%), 2006
Figure 6-2: Poland - Forecast for Mortgage Loans of Banking Industry (in Billion Euro), 2008-2011
Figure 6-3: Poland - Forecast for Corporate Loans of Banking Industry (in Billion Euro), 2008-2011
Figure 6-4: Poland - Forecast for Consumer Loans of Banking Industry (in Billion Euro), 2008-2011

List of Tables:

Table 4-1: Poland - Assets of Top 10 Commercial Banks (in Billion Zloty), Jun 2007
Table 8-1: PKO Bank Polski - Key Financials (in Million Zloty), Sep 2007
Table 8-2: Bank Pekao S.A. - Key Financials (in Million Zloty), Q2 2007
Table 8-3: Bank BPH - Key Financials (in Million Zloty), H1 2007
Table 8-4: BRE Bank - Key Financials (in Million Zloty), H1 2007
Table 8-5: Bank Handlowy - Key Financials (in Million Zloty), Q3 2007