Improvement of the credit market in Poland

Krzysztof PietraszkiewiczPresident of Polish Bank Association

Tel Aviv 14 June 2012

Area 312 679 km2

Population 38 135 000

Capital Warsaw, Population 1,702 mln

Currency Złoty (PLN) = 100 groszy (gr.)

Number of enterprises 1,6 million

Life expectancy 79,7 women, 71,0 men

GDP growth

POLAND

Unemployment in Poland (1990-2011)

%

3,43

8,98

12,93

14,9916,49

15,2114,29

11,49 9,9811,99

14,0116,23

19,7119,92

19,51

18,19

14,80

11,20

9,50

10,70

12,9013,10

0,00

5,00

10,00

15,00

20,00

25,00

3

4

Inflation 1991-2011

Źródło: GUS,

585,5

National debt/GDP

Źródło: GUS, 2009

Budget deficit/GDP

Polish financial system structurePolish financial system structure

Źródło: NBP

Number of Polish banksNumber of Polish banks

Deposits of the nonfinancial sector in Deposits of the nonfinancial sector in millions PLNmillions PLN

Źródło: NBP

100 597125 890

144 857 151 251 166 028182 737

204 995184 282

220 836239 361262 400

331 997379 671

425 917482 082

491 331

19,0% 19,8%

23,9%

28,2%30,4%

33,6% 34,5

30,4 29,6 29,3 29,226,7

0

5

10

15

20

25

30

35

40

0,0

100 000,0

200 000,0

300 000,0

400 000,0

500 000,0

600 000,0

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 03/2012

Corporations House Holds Corporations/Non-financial sector

Credits to depositsCredits to deposits

Credits for nonfinancial sectorCredits for nonfinancial sector

Źródło: NBP

0

100

200

300

400

500

600

700

800

900

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 03/2012

117,9 120,4 116 119,1 136,5 171,2 216 212 204 238,9 24286,1 98,1 109,6 136

182,9254

367

412477,5

534 526

9,2 10,7 11 11,914,7

15,8

16

25 33,2

38,936

Corporations house holds Local goverment units

14

EmployeesEmployees

Źródło: KNF, 2011

Own Funds in (mln PLN)Own Funds in (mln PLN)

Źródło: NBP

3 394 5 257 7 66112 526

17 86122 468

25 76730 689

37 76940 558

40 56442 71946 587

51 234

61 765

74 346

88 423

100 598

110 876115 533

1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 03/2012

Assets in billions PLNAssets in billions PLN

Źródło: KNF, 2011r. 16

428 460 466 489539

587

681

801

1041 1060

1 159

1 295 1 302

0

200

400

600

800

1000

1200

1400

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 03/2012

PL

N M

ld z

ł.

Number of active credits for house purchase

Total value of house purchase lending in millions PLN

Non-performing loans to loans in totalNon-performing loans to loans in total

Źródło: NBP

STRUCTURE OF EVERYDAY PAYMENTSTRUCTURE OF EVERYDAY PAYMENT

Źródło: NBP

CASHCARDSPAYMENT ORDER

Card transactions value in millions PLNCard transactions value in millions PLN

Źródło: NBP

Payment cards in PolandPayment cards in Poland

Internet bankingInternet banking

Źródło ZBP

www.bik.pl 25

Bureau of Credit InformationBureau of Credit Information

THANK YOU