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THERE IS NO STABLE COUNTRY WITH UNSTABLE BANKS.

Improvement of the credit market in Poland Krzysztof Pietraszkiewicz President of Polish Bank Association Tel Aviv 14 June 2012. THERE IS NO STABLE COUNTRY WITH UNSTABLE BANKS. . POLAND. GDP growth. Unemployment in Poland (1990-2011). %. Inflation 1991-2011. 585,5. Źródło: GUS, .

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THERE IS NO STABLE COUNTRY WITH UNSTABLE BANKS.

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  1. Improvement of the credit market in Poland Krzysztof PietraszkiewiczPresident of Polish Bank AssociationTel Aviv 14 June 2012

  2. THERE IS NO STABLE COUNTRY WITH UNSTABLE BANKS.

  3. POLAND GDP growth

  4. Unemployment in Poland (1990-2011) %

  5. Inflation 1991-2011 585,5 Źródło: GUS,

  6. Poles remember the anguish and long-term struggle with inflation. • Poles know what the credibility is. • We are proud what Poland has achieved, but we are also aware of the risks.

  7. National debt/GDP Źródło: GUS, 2012

  8. Budget deficit/GDP

  9. STATE OF PLAY We have the right to be proud ofstability in economic policyand banking system which is: • Stable, • Modern, • Well-managed and well-supervised, but... • backlogs are still enormous and difficult problems to solve.

  10. Banks play a special role in the Polish economy. Poland is still an underbanked country.

  11. Polish financial system structure Open retirement fund Invest Funds Stock-brokers Insurance corporations Banks Źródło: NBP

  12. Number of Polish banks

  13. Deposits of thenonfinancialsectorinmillions PLN Źródło: NBP

  14. Deposits to GDP in the EU in 2010 in %

  15. A deficiency in domestic savings. Too small part (only 4%) of long-term savings.

  16. Credits to deposits

  17. Credits for nonfinancialsectorinbillions of PLN Źródło: NBP

  18. Special Credits • Technology • Ecology • Modernisation of Agriculture • Renewable energy

  19. Number of active mortgage credits

  20. Total value of mortgage credits lending in millions PLN

  21. A WELL-PREPARED ANDEXPERIENCED POLISH BANKS PERSONNEL .

  22. Employees 23 Źródło: KNF, 2011

  23. own funds in the banking sector are builtconsistently.

  24. OwnFundsinmillions PLN Źródło: NBP

  25. Assetsinbillions PLN 26 Źródło: KNF, 2011r.

  26. A good quality loan portfolio Good performance of the banking sector

  27. Non-performing loans to loansintotal Źródło: NBP

  28. STRUCTURE OF EVERYDAY PAYMENT (cash paymentsdominance) CASH CARDS PAYMENT ORDER Źródło: NBP

  29. Cardtransactionsvalueinmillions PLN Źródło: NBP

  30. Paymentcardsin Poland

  31. Internet banking Źródło ZBP

  32. Stable position of the National Bank of Poland. A stable and strong position of the banking supervision – Polish Financial Supervision Authority.

  33. Key elements of Polish banking infrastructure

  34. Key elements of the Polish financial sector infrastructure Banking market Capital market Warsaw Stock Exchange National Depository for Securieties CCP Bondspot Power Exchange • Bank Guarantee Fund • National Clearing House • Bureau of Credit Information • Bereau of EconomicInformationInfomonitor • ThePolish Banking Ombudsman • Effective system of banking training and education

  35. Bureau of Credit Information www.bik.pl

  36. Economic Data Office Number of reports published by Economic Data Office in 2006-2011

  37. National Clearing House • Krajowa Izba Rozliczeniowa S.A. develops and markets innovative solutions pertaining to the exchange of electronic information. Such solutions have a significant influence on shaping and developing Polish e-economy. Products and services offered by KIR S.A. are targeted at banks and financial institutions, enterpreneurs, public administration, as well as at e-commerce operators and their clients. • Products: • BILIX • PayByNet • ELIXIR • EuroELIXIR

  38. The Bank Guarantee Fund The Bank Guarantee Fund's mission is to workin favour of the safety and stability of banks and to increase confidence in the banking system. • The basic tasks of the Fund are: • to reimburse, up to the amount specified by the Act on the BGF, of funds accumulated on bank accounts, in the event of the bankruptcy of a bank which is a participant in the deposit guarantee scheme, • to provide financial assistance to banks which have found themselves faced with a loss of solvency and are engaging in independent reforms, • to support processes involving the merger of endangered banks with strong bank entities, • - to collect and analyse information about entities covered by the guarantee system, including the preparation of analyses and forecasts concerning the banking sector.

  39. THANK YOUkontakt@zbp.plwww.zbp.pl

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