Związek Banków Polskich
Polish Bank Association
Polish banking sector 2010
1
Some facts about Poland
Area: 312,685 sq. km 5th largest country in EU (after F, E,S,D).
Population: 38,13m 6th place in EU (after D, F,UK, I, E).
GDP total 2009: ca. 1 271 bn PLN = ca.
409 .5 bn USD GDP: +1,1% (2Q’2010) 8th Economy
in the EU
GDP p.c.(PPP) -ca.61% EU 27 Average )
Unemployment: 9,4% (07’10)
Inflation: 2,5% (07’10)
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Inflation in the years 1991-2007
Yearly price indices of consumer goods and services (%)
3
Source: Central Statistical Office
Inflation 2004 - 2009
Source: Central Statistical Office
4
Real GDP growth rate (%)
Source: Eurostat
5
Banks in Poland 2010 (I)
State owned bank:
1
Bank operating as joint stock company
(including 3 regional co-operative banks)
51
Branches of credit institutions:
20
Co-operative banks
576
Number of service outlets (branches and sub-branches) 14424
Number of employees:
175 000
- 88 % with university degree
- average age 37
6
Banks in Poland 2010
(II)
- own funds over PLN 97 bn (06’2010)
- over 33m of banking accounts,
- over 15m of customers with electronic access
to accounts,
- over 33 m of cards, over 742 m transactions
for the amount of 172 bn PLN (07-12 2009),
- over 15 800 ATMs,
- over 215 000 POS
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Ownership structure in Polish
banking sector (06/2010)
Source KNF
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Share of foreign ownership in Polish banking sector by
country (2008)
9
Banks own funds (PLNbn)
Source: National Bank of Poland, KNF
10
Banks own funds (PLNbn)
Source: National Bank of Poland, KNF
11
Polish banking sector assets
(PLN bn )
Source National Bank of Poland
12
Financial results (bn PLN)
Source: National Bank of Poland, KNF
13
ROA and ROE
Source National Bank of Poland, KNF
14
ROA 2005-2007
Source:NBP
15
ROE 2005-2007
Source: NBP
16
C/I ratio
17
Customers with internet account
access
Source: ZBP
18
Number of cards in circulation
(in millions )
Source National Bank of Poland
19
Biuro Informacji Kredytowej SA
Credit Information Bureau
Credit reports and BIKSco
Source: Credit Information Bureau
Bad debts %
Source National Bank of20Poland
Bank Assets to GDP Ratio 2007-2008
21
Source National Bank of Poland
Poland and the world crisis
• No toxic foreign assets in the
portofolios of Polish banks.
• Large capital inflows for infrastructure
projects;
• Broad domestic market;
• Balanced economy, moderate budget
deficit
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Poland and the world crisis
Capital Adequacy Ratio in Polish banks %
13.3
13.5
12 2009
06 2010
12.5
12.1
11.2
12 2007
12 2008
06 2009
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Credits for non-financial sectors
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Deposits of non-financial sectors
in PLN bln
Source: NBP
25
Bad debts ratio
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Unemployment 2001-2010
Source: Central Statistical Office ,Eurostat
27
EUR/PLN exchange rate
Source National Bank of Poland
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Poland and the world crisis
Polish export in bn EUR
Polish export is responsible for ca 30% of GDP
Source: Ministy of Economy,
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Polish banking sector:
Modern;
Efficient;
Financially Sound;
With good perspectives for growth.
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Polish Bank Association
Polish Bank Association (PBA) is a selfgovernment organization of banks founded in 1991.
Membership in the ZBP is voluntary and open for
all banks created under the Polish law as well as
for foreign credit institutions
branches operating in the Republic of Poland.
103 Members- all of the commercial banks and
largest co-operative banks.
Statutory Tasks of PBA
The statutory tasks of the Association include:
 Representation of members’ interest in
contacts with government, parliament and
general public;
 HR development for the banking sector;
 Support and co-ordination of the interbank infrastructure development including:
 Payment system;
 Customer scoring databases;
 Absorbtion of EU structural funds.
External Co-operation
• National & Local Government
• Parliament
• Ministries- of Finance, Economy, Interior
and Administration
• National Bank of Poland
• Execution of governmental programmes
and strategies.
Infrastructure institutions
established
on the PBAs` initiative








National Clearing House,
Banking Telecom Company “Telbank SA”,
Credit Information Bureau,
CERA Central European Rating Agency,
currently Fitch Polska,
the Polish Financial Exchange currently
included in MTS CeTO /electronic trading
platform of gov and corporate bonds,
the Mediabank Publishing and Marketing
Agency,
the Centre of Banking Law and Information,
the Warsaw Banking Institute Foundation
Polish Bank Association-main
departments I
• Economic & Regulatory Department
• Legal Department
• Financial Markets & Consumer Protection
Department
• Payment Systems & E-banking
Department
Polish Bank Association-main
departments II
• PR Department
• Banking HR Development Section
• Banking Security Section (Physical
Security and Frauds)
• Foreign Section (inc. ICC Poland
Secretariat)
Payment System & EBanking Department
Payments Systems
&
E-Banking
Department
Coalition
for NonCash&Mi
croPayments
Payment
System
Committe
e
Electronic
Banking
Council
Banking
Technolog
y Forum
Card
Acquirers
Committe
e
Banking
Cards
Issuers
Council
SEPA
Poland
Common features of all of the
bodies
•
•
•
•
Substantial level of autonomy
Seperate Boards and Secretaries
Seperate budgets
Seperate liabilities
• Fora of cooperation, sharing experiences,
internal trainings
• Think Tanks
• Selfregulation
SEPA Poland
• Coordinating the process of SEPA implementation and
migration in Poland
• Members: Banks + other stakeholders (banking technology
providers, public administration, end users)
• Working Groups: SEPA Credit Transfer WG, SEPA Direct
Debit WG, SEPA Cards WG, SEPA Cash WG, SEPA
Infrastructure WG
• Forum of SEPA Managers
• SEPA Forum Poland
Poland in SEPA
• 25 Polish Banks in SCT Scheme
• App. 60% of Eur transactions in SCT
formats
• Leading in the non- euro countries group
Program Ramowy Konkurencyjność i Innowacje 2007-2013
Instrumenty finansowe dla MSP
Komisja
Europejska
Europejski Fundusz
Inwestycyjny
zapewnia
fundusze
gwarantuje
Fundusz
Gwaranctyjny
gwarantuje
inwestuje
Fundusz kapitałowy i siec
Aniołów biznesu
gwarantuje
Narodowy punkt
kontaktowy dla rynków
finansowych:
Bank /
Fundusz pożyczkowy/
Spółka Leasingowa
inwestuje
kredytuje
MSP
promocja, informacja,
konsultacje
MSP
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Future challenges
Development of country
infrastructure
Improvement of banking sector image
Expansion abroad
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Thank you for your attention
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