Market Research Logo

Banking Market In Poland 2015-2017, CEE Banking Series

Banking sector in Poland.

Most banks operating in Poland have benefited from the improving economy and higher consumer confidence, being able to expand their balance sheets considerably. Total banking assets hit a record PLN 1.53 trillion as of December 2014, which corresponds to a 9% YoY growth rate. Total client deposits at banks recorded a 9% YoY increase to PLN 956 billion and total client lending rose by 6% to PLN 910 billion.


Slide 1: Executive summary
1. Macroeconomic overview
Slide 2: Poland - General overview
Slide 3: Key macroeconomic indicators, 2008-2014
Slide 4: Foreign trade statistics, C/A balance, FDIs, 2008-2014
Slide 5: Unemployment and salaries, 2008-2014
Slide 6: Disposable income in households, 2008-2014; income distribution 2013
Slide 7: Consumer confidence Index evolution, 2009-1Q/2015
Slide 8: Warsaw Stock Exchange - Turnover, Market cap and indexes, 2008-2014
2.1. Banking market - General trends
Slide 9: CEE banking markets: Size vs. growth matrix, 2012-2014
Slide 10: CEE banking penetration benchmarks - International comparison, 2014
Slide 11: Structure of the Polish Banking System, 2014
Slide 12: Polish Banking System ERA analysis, 1989-2015
Slide 13: Evolution of banking assets by groups of owners (domestic/foreign), 2002-2014
Slide 14: Top 10 foreign investors in the Polish banking market, 2014
Slide 15: Banking assets evolution (LCU, EUR), 2008-2014
Slide 16: Banking assets evolution by groups of banks, 2008-2014
Slide 17: Top 12 commercial banks, market shares, ownership, 2014
Slide 18: Evolution of market shares for top commercial banks, 2011-2014
Slide 19: Concentration of the banking market, 2013 /2014 (Assets, Branches, ATMs, HH Index)
Slide 20: Deposits by customer segment evolution, 2008-2014
Slide 21: Loans by customer segment evolution, 2008-2014
Slide 22: Foreign funding evolution, 2008-2014
Slide 23: Non-performing loans value and NPL ratios by type of business segment, 2009-Feb.2015
Slide 24: Non-performing retail loans, ratios by type of product, 2005-2014
2.2. Banking market - Regulatory overview
Slide 25: Regulatory overview: Regulatory bodies in the Polish banking market
Slide 26: BFG - Deposit Insurance Fund
Slide 27: BIK - Credit Information Bureau
Slide 28: BIG - Regulated commercial/consumer information providers
Slide 29: Central Bank interest rates and mandatory reserve policy, 2000-2014
Slide 30: Inter-bank yield curves, 2010-2014 (WIBOR 3M, Polonia O/N)
Slide 31: Basel II/CRD implementation status, Capital requirement, own funds and CAR ratio for banks, 2009-2014
Slide 32: Consumer and mortgage lending – regulatory changes
2.3. Banking market - Banking Infrastructure
Slide 33: Bank outlets by type of bank, 2008-2014
Slide 34: Employment in commercial banks, bank assets per employee evolution, 2008-2014
Slide 35: Direct employee costs evolution, 2009-2014
Slide 36: ATM number and transaction value evolution 2008-2014, ATM players, 2014
Slide 37: POS number and transaction value evolution 2008-2014, POS players, 2012
3. Retail banking
Slide 38: Demographic trends determining future number of bank clients, 2007-2020F
Slide 39: Demographic and social trends influencing future number of bank accounts
Slide 40: Retail banking clients by segment - pyramid (mass market, affluent, personal and private banking), 2014
Slide 41: Households deposits by sub-segments, 2008-2014
Slide 42: Cash in circulation, cash vs. deposits ratio, 2008-2014
Slide 43: Household loans by sub-segments evolution, 2008-2014
Slide 44: TOP banks serving households sector, market shares, 2014
Slide 45: Deposits of private individuals, structure by currency, 2008-2014
Slide 46: Deposits of private individuals, structure by maturity, 2008-2014
Slide 47: Current account penetration in Poland, Bank account holders demography, 2012
Slide 48: Bank account penetration gap: Poland vs. Europe, 2014
Slide 49: Current accounts of individuals (ROR) at major banks, 2012-2014
Slide 50: Internet and PC penetration in Polish households and in corporate sector, shopping online, 2014
Slide 51: Number of accounts with online access and number of online accounts actively used, 2008-2014
Slide 52: Online Banking - new entrants: ING and Citibank and perspectives for standalone internet projects
Slide 53: Mobile Banking - availability of mobile account access , top banks and number of users, 2014
Slide 54: Innovation in payments – PKO IKO, BLIK, PeoPay, iKasa, SkyCash, mPay, Orange Cash, T-mobile , MyWallet , Visa V.me , etc.
Slide 55: Investment funds assets evolution, domestic and foreign funds, 2008-2014
Slide 56: Investment funds - top 10 players, 2014
Slide 57: Personal Financial Assets (PFA) structure and evolution, 2011-2014
Slide 58: Loans to private individuals by type evolution, 2008-2014
Slide 59: Mortgage to private individuals by currency evolution, 2008-2014
Slide 60: Mortgage to private individuals – new sales, outstanding contracts, 2008-2014
Slide 61: Consumer lending market, volumes and values, 2012-2014
Slide 62: Dedicated car loans market, 2009-2014
Slide 63: Financial intermediaries: Value and number of loans and investment products sold, 2013
3.1. Payment cards
Slide 64: Cards issued by type, 2008-2014
Slide 65: Cards payments: Poland vs. Europe, Growth vs. market development, 2013
Slide 66: Cards payments: International comparison, Card payments value, volume, cards issued, 2013
Slide 67: Card transactions by type (cashless, cash), share of cash transactions, 2009-2014
Slide 68: Credit card transactions , values, volumes, per card evolution, 2009-2014
Slide 69: Top players in credit cards business, co-branding partners, 2014
4. Corporate banking
Slide 70: Corporate subjects by size, number, employment, revenues and profits, 2013
Slide 71: Corporate subjects, revenue and profit evolution, 2008-2014
Slide 72: Number of firms by turnover (with 10+ employees), 2013
Slide 73: Corporate subjects, regional distribution, 2014
Slide 74: Corporate deposits and loans evolution, 2008-2014
Slide 75: Top players in the corporate banking market, market shares in deposits and loans , 2014
Slide 76: Brokerage business, top players, shares of investors groups, 2009-2014
Slide 77: Leasing market, structure by industry, top players, 2009-2014
Slide 78: Factoring market, top players, 2009-2014
Slide 79: Non-treasury debt securities market, 2009-2014
5. Banks' profitability
Slide 80: Nominal rates on loans and deposits by segment, implied margins, 2011-Mar.2015
Slide 81: Commercial banks - profitability tree, 2011-2014
Slide 82: Commercial banks - revenue, costs and profits composition, 2014
Slide 83: Top 5 commercial banks profitability tree – peers comparison, 2014
Slide 84: Segment reporting (1/2): volumes, revenues and profit by segment (retail, corporate, other), 2014
Slide 85: Segment reporting (2/2): volumes, revenues and profit by segment (retail, corporate, other), 2014
6. Banks' valuation and M&A activity
Slide 86: Share price performance in the stock market for key listed banks in Poland, 2013-2015
Slide 87: Market multiples for major listed banks in Poland, 3/2015
Slide 88: Strategic control map for major listed banks in Poland, Apr.2, 2015
Slide 89: Efficiency of top banks in Poland - Cost to income, Assets/Personnel/Branches benchmarks, 12/2014
Slide 90: Acquisition transactions in the Polish banking market (1/3), 2005-2008
Slide 91: Acquisition transactions in the Polish banking market (2/3), 2009-2011
Slide 92: Acquisition transactions in the Polish banking market (3/3), 2012-2015
Slide 93: New entrants, 2014-2014
Slide 94: Mergers in the Polish banking market, 2009-2014
Slide 95: Announced M&A deals – banks put on sale as of Q1 2015
7. Top 5 banks - Profiles
Slide 96-97: Bank profiles: PKO Bank Polski
Slide 98-99: Bank profiles: Bank Pekao
Slide 100-101: Bank profiles: mBank
Slide 102-1043 Bank profiles: ING Bank Śląski
Slide 104-105: Bank profiles: BZ WBK
8. Mid-term forecasts
Slide 106: Banking assets forecast, 2015-2017
Slide 107: Forecast – retail loans & retail deposits, 2015-2017
Slide 108: Forecast – corporate loans & corporate deposits, 2015-2017
9. Notes on methodology

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report