Poland Banking Sector 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