the polish banking sector 2013/2014 the polish bank association
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The Polish Banking Sector 2013/2014 The Polish Bank Association. Warszawa, March 2014 . Banks in Poland 2013 /2014. Commercial banks (including 2 regional co-operative banks) : 43 / 40 Branches of credit institutions: 26 / 28 Co-operative banks : 572 / 569 - PowerPoint PPT PresentationTRANSCRIPT
The Polish Banking Sector 2013/2014
The Polish Bank Association
Warszawa, March 2014
Banks in Poland 2013/2014
Commercial banks(including 2 regional co-operative banks): 43/40
Branches of credit institutions: 26/28
Co-operative banks: 572/569
Number of service outlets,
branches, sub-branches, branch offices: 15.432/15.266
Number of employees: 174.668/ 173.671
Data by Polish Financial Supervision Authority for the days: 31/01/2013 - 31/03/2014
Ownership structure in % of capital in Polish banking sector
2007 2008 2009 2010 2011 20120
10
20
30
40
50
60
70
8070.9 72.3
68.1 66.2 65 62.5
29.1 27.731.9 33.8 35 37.5 Foreign
Domestic
Source: Polish Financial Supervision Authority
There is a visible trend of increase in Polish capital within the sector.
3
Polish banks' assets in bn PLN, EUR
Source: Polish Financial Supervision Authority
4
2009 2010 2011 2012 2013 03 20140
200
400
600
800
1000
1200
1400
1600
1057.4
1159.4
1294.61335.3
1420.0 1442.0
257.9 292.8 293.6 326.5 338.1 345.8
PLNEUR
Source: Polish Central Bank
Assets/GDP
2006 2007 2008 2009 2010 2011 2012 2013
64.30%67.70%
81.60%78.60%
81.85%85.01%
84.60%86.20%
Polish banks' own funds (in bn PLN, EUR)
Source: Polish Financial Supervision Authority
6
12.2009 12.2010 12.2011 12.2012 12.2013 03. 20140
20
40
60
80
100
120
140
160
180
103.8
115.9
128.9
146.6153.4 155.9
25.1 29.0 28.835.8 33.2
37.4
PLNEUR
7
Net and gross profits (EUR bn)
Source: Polish Financial Supervision Authority
2009 2010 2011 2012 2013 03.20140.00
0.50
1.00
1.50
2.00
2.50
3.00
3.50
4.00
4.50
5.00
2.47
3.59
4.444.68
4.49
1.19
2.02
2.88
3.523.78 3.72
0.95
Profits EUR grossProfits EUR net
Percentage of assets belonging to loss-bearing banks in selected EU Countries
Country 2008 2010 2012
Austria 9,1 4,8 6,2
Belguim 80,9 n.a. 25,2
Cyprus 0,3 0,4 62
Germany 52,5 n.a. 1,7
France 22 n.a. 26
UK 39,1 0,3 42
The Netherlands 8,5 17,8 4,5
Poland 0,2 0 0
Italy 6,2 0,5 20,8
Austria
Belguim
Cyprus
Germany
France
UK
The Netherlands
Poland
Italy
0 10 20 30 40 50 60 70 80 90
9.1
80.9
0.3
52.5
22
39.1
8.5
0.2
6.2
4.8
0
0.4
0
0
0.3
17.8
0
0.5
6.2
25.2
62
1.7
26
42
4.5
0
20.8
201220102008
8
Return on Assets in Selected EU Countries
ROA by Country 2008 2010 2012
Austria 0,1 0,5 0,3
Belgium -1,8 0,4 0,1
Germany 1 0,5 -5,3
France 0,1 0,4 0,2
UK -0,5 0,3 0,1
The Netherlands -0,4 0,3 0,3
Poland 1,7 1,3 1,2
Italy 4,9 3,8 -1,2
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 20120
0.2
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
0.5 0.5
1.4
1.61.7 1.66 1.7
0.79
1.3 1.27 1.22
ROA Polish Banking Sector
Source: European Central Bank, Polish FSA
9
Return on Equity in Selected EU Countries
ROE Polish Banking Sector
Source: European Central Bank, Polish FSA
ROE by Country 2008 2010 2012
Austria 2,3 6,6 4,5
Belgium -62,3 10,8 2,6
Cyprus 13,4 6,2 -178,6
Germany -11,4 2,3 1,3
France 2,2 8,3 3,4
UK -12,2 4,8 1,9
The Netherlands -12,5 7,2 5,9
Poland 17 12,5 11,7
Italy 4,9 3,8 -1,2
10
20022003
20042005
20062007
20082009
20102011
20122013
0
5
10
15
20
25
6.45.5
15.9
19.120.3
22.0521.2
8.410.2
12.611.2
10.1
Stable Country-Robust banking sector
• During the recent financial crisis Polish bank have not required any public support.
• The sector is stable, healthy and with good perspectives for growth.
• The sector remained higly profitable in 2013.
• Prospects for 2014 and next years are good.
Source: Polish Financial Supervision Authority
2007 2008 2009 2010 2011 2012 20130
2
4
6
8
10
12
14
16
18
12.111.2
13.3 13.813.07 13.13
15.75
CAR Polish banking sector
11
Non-performing loans ratio in %
Source: Polish Central Bank, Polish FSA
2003 2004 2005 2006 2007 2008 2009 2010 2011 09 /2012 12/2012 12/20130
5
10
15
20
25
21.2
14.9
11
7.4
5.2 4.6
6.67.8 7.3 7.7 7.7 7.4
13
Deposits from non-financial sector in PLN bn, EUR bn
2006 2007 2008 2009 2010 2011 2012 2013 03.20140.0
100.0
200.0
300.0
400.0
500.0
600.0
700.0
800.0
125.9 144.9 149.1 165.1 182.8 206.0 191.3 209.7 197.2
238.8262.4
330.8
387.7422.4
477.4 516.0548.2 563.9
enterprises households
20062007
20082009
20102011
20122013
03.20140.0
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
180.0
200.0
32.4 39.9 35.8 40.3 46.2 46.7 46.8 49.9 47.3
61.4
72.3 79.3
94.6
106.7 108.2126.2
132.1 135.2
enterprises households
Source: Polish Central Bank, Polish FSA
14
Credits for non-financial sector in PLN bn, EUR bn
2006 2007 2008 2009 2010 2011 2012 2013 03.20140.0
100.0
200.0
300.0
400.0
500.0
600.0
700.0
800.0
900.0
138.3 171.7222.7 222.1 219.7
264.5 272.3 277.9 286.5
183.4
254.2
368.6416.4
475.4
532.0 533.2 555.5 561.7
enterprises households
20062007
20082009
20102011
20122013
03.20140.0
50.0
100.0
150.0
200.0
250.0
35.647.3 53.4 54.2 55.5 60.0 66.6 67.0 68.7
47.2
65.3
88.4101.6
120.1 120.6130.4 133.9 134.7
enterprises households
Source: Polish Central Bank, Polish FSA
Credit growth rate in 2013
Credit growth rate (%) in Poland & Euro zone in 2013
The rate of enterprise ,mortgage credit & consumer credit growth in Poland was higher than in eurozone
Source: Polish Financial Supervision Authority
Enterpises Mortgage Consumer
(4.00)
(3.00)
(2.00)
(1.00)
-
1.00
2.00
3.00
4.00
5.00
2.00
4.50
2.60
(3.00)
0.70
(3.00)
PolandEurozone
16
Polish Foreign Trade in EUR bn
2009 2010 2011 2012 2013
-50.00
0.00
50.00
100.00
150.00
200.00
98.22
120.37
135.75141.94
152.80
107.53
134.19150.46 151.68 155.10
-9.31-13.82 -14.70
-9.74-2.30
ExportImportResult
Source: Minstry of Economy
