Mortgage Lending In Poland, 2016-2018

Executive summary

1. Residential real estate stock & prices

Slide 1: New dwellings completed , starts, permits, 2006-2015

Slide 2: New dwellings completed by regions, Q1-Q3 2015

Slide 3: Residential real estate prices in key cities, 2010-2015 Q3

2. Mortgage lending

Slide 4: Total lending to households by type of loan, 2008-2015

Slide 5: Mortgage loans to households, local vs. foreign currency, 2010-2015

Slide 6: Number of new mortgage loans, average loan size, value of new loans, 2010-2015

Slide 7: Distribution of new mortgage lending by top cities

Slide 8: Mortgage lending penetration benchmarks -International comparison, 2015 H1

Slide 9: New mortgage loans by size and LTV, 2011 Q1 -2015 Q3

Slide 10: New mortgage loans by currency, 2011 Q1 -2015 Q3

Slide 11: Top players (market share>5%) on the mortgage loans market, 2015 Q3

Slide 12: The role of financial intermediaries in mortgage loans distribution, 2010-2014

Slide 13: Reference rates: WIBOR3M & LIBOR CHF 6M, 2009-Dec.2015

Slide 14: Average lending margins evolution –PLN loans, 2010-2015

3. Regulatory issues, risk

Slide 15: The evolution of mortgage loan NPLs, Mar.2009-Sept.2015

Slide 16: Regulatory environment with regards to mortgage loans

Slide 17: CHF/PLN exchange rate, 2000-Dec.2015

4. Forecast

Slide 18: Mortgage loans –outstanding value forecast and GDP penetration, 2016-2018

Methodological notes

Mortgage Lending In Poland, 2016-2018

“Mortgage lending in Poland 2016-2018” is the latest edition of the regular research paper published by Inteliace Research. Report builds on the success of the 2015 issue and provides an updated view of emerging trends on the Polish mortgage lending market. Similarly to the previous version our analysis covers a wide range of perspectives including: Market size, competitive structure, market shares and margins. A mid-term market forecast of mortgage outstanding value through 2018 has been also included. Research findings have been presented in a structured and logical way in a form of horizontal presentation on 28 slides.

The value of outstanding mortgage lending in Poland was up 7% in 2015, reaching a total 381 billion PLN at year end. Stronger economy and improving financial condition of households are likely to further benefit new mortgage lending in Poland during 2016 -2018.