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Polish banking sector 2010

Związek Banków Polskich

Polish Bank Association

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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 1991-2007Yearly price indices of consumer goods and services (%)

Source: Central Statistical Office

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Inflation 2004 - 2009

Source: Central Statistical Office

Source: Eurostat 5

Real GDP growth rate (%)

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Banks in Poland 2010 (I)

State owned bank: 1Bank operating as joint stock company(including 3 regional co-operative banks) 51Branches of credit institutions: 20Co-operative banks 576Number of service outlets (branches and sub-branches) 14424Number of employees: 175 000- 88 % with university degree - average age 37

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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)

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Banks own funds (PLNbn)

Source: National Bank of Poland, KNF

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Banks own funds (PLNbn)

Source: National Bank of Poland, KNF

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Polish banking sector assets(PLN bn )

Source National Bank of Poland

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Financial results (bn PLN)

Source: National Bank of Poland, KNF

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ROA and ROE

Source National Bank of Poland, KNF

Source:NBP 15

ROA 2005-2007

Source: NBP 16

ROE 2005-2007

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C/I ratio

Source: ZBP 18

Customers with internet account access

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Number of cards in circulation(in millions )

Source National Bank of Poland

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Biuro Informacji Kredytowej SACredit Information Bureau

Bad debts %

Source National Bank of PolandSource: Credit Information Bureau

Credit reports and BIKSco

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Bank Assets to GDP Ratio 2007-2008

Source National Bank of Poland

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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

Poland and the world crisisCapital Adequacy Ratio in Polish banks %

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12 2007 12 2008 06 2009 12 2009 06 2010

12.1

11.2

12.5

13.3 13.5

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Credits for non-financial sectors

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Deposits of non-financial sectors

Source: NBP

in PLN bln

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Bad debts ratio

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Unemployment 2001-2010

Source: Central Statistical Office ,Eurostat

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EUR/PLN exchange rate

Source National Bank of Poland

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Poland and the world crisisPolish 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.

Polish Bank Association

Polish Bank Association (PBA) is a self-government 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 andlargest 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 inter-

bank 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 & E-Banking DepartmentPayments Systems

&E-Banking Department

Coalition for Non-

Cash&Micro-Payme

nts

Payment

System Comm

ittee

Electronic

Banking

Council

Banking

Technology

Forum

Card Acquir

ers Comm

ittee

Banking

Cards Issuers Counci

l

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

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Bank / Fundusz pożyczkowy/

Spółka Leasingowa

Fundusz kapitałowy i siec Aniołów biznesu

MSPMSP

inwestuje

Europejski Fundusz Inwestycyjny

Komisja Europejska

inwestuje

Fundusz Gwaranctyjny

gwarantuje

kredytuje

Narodowy punkt kontaktowy dla rynków

finansowych:

promocja, informacja, konsultacje

zapewniafundusze

gwarantujegwarantuje

Program Ramowy Konkurencyjność i Innowacje 2007-2013Instrumenty finansowe dla 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