Finance and Banking
Finance and Banking
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Poland Banking Sector Analysis (RNCOS)
- Market: Finance and Banking
- Published Date: 01/02/2008
- Report Title: Poland Banking Sector Analysis
- View Report Summary: View Report Summary
- Report Type: Market Report
- Country: Poland
- Number of Pages: 65
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
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
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