Recently released market study: Poland Commercial Banking Report Q1 2011

Jan. 30, 2011 - PRLog -- With Poland's economy showing increasing signs of improvement, we believe the country's banking  industry will continue to see profitability recover. We expect loan losses to moderate and credit growth to  pick up, while conservative capital positioning should ensure sector stability over the long term.  Poland's banking sector avoided the outright mayhem experienced throughout much of the developed  world during the global financial crisis. We believe the industry remains well positioned to weather any  further potential downturns in the Polish economy, although that is not our core scenario. As the pie chart  below illustrates, Poland's banking sector maintains healthy capital ratios with the vast majority (80.3%)  of banks holding 12.0% or more of assets in Tier 1 capital. These strong balance sheet positions should  ensure that loan losses can be endured through a downturn, as was the case in 2009.    Nevertheless, it should be noted that despite this healthy cushion of capital, the sharp slowdown in  domestic economic activity from H208 onwards hit the banking industry's profitability hard. Polish banks  faced rising non-performing loan ratios and a net interest margin squeeze as a result of accommodative  monetary policy steps taken by the National Bank of Poland (NBP). Their response to such conditions  was to rapidly curtail loan growth and instead plough excess deposits into government debt holdings,  which still accounted for 15.1% of total banking sector assets in April 2010, up from 12.3% in January 2008.    The effect of this reallocation of banking sector assets is shown in the chart above. Growth in credit  extended to households and businesses tumbled throughout 2009, from a consolidated rate of 33.3% yearon-  year (y-o-y) in August 2008 to just 5.3% y-o-y by April 2010. This reflected Polish banks' the  cautious stance towards lending and the reduced overall demand for credit in the economy due to weaker  economic conditions and the collapse in consumer and business confidence.

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Report Table of Contents:

Executive Summary
- Table: Levels (PLNbn)
- Table: Levels (US$bn)
- Table: Levels At March 2010
- Table: Annual Growth Rate Projections 2010-2014 (%)
- Table: Ranking Out Of 59 Countries Reviewed In 2010
- Table: Projected Levels (PLNbn)
- Table: Projected Levels (US$bn)
SWOT Analysis
- Poland Commercial Banking SWOT
- Poland Political SWOT
- Poland Economic SWOT
- Poland Business Environment SWOT
Business Environment Outlook
- Commercial Banking Business Environment Ratings
- Table: Poland's Commercial Banking Business Environment Rating
- Commercial Banking Business Environment Rating Methodology
Global Commercial Banking Outlook
Emerging Europe Banking Sector Outlook
- Table: Banks' Bond Portfolios
- Table: Emerging Europe Commercial Banking Business Environment Ratings
- Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios
- Table: Anticipated Developments In 2011
- Table: Comparison Of Total Assets, Client Loans And Client Deposits, 2009-2010 (US$bn)
- Table: Comparison Of Per Capita Deposits, 2010e (US$)
- Table: Interbank Rates And Bond Yields, 2009-2010
Poland Banking Sector Outlook
Economic Outlook
- Table: GDP By Expenditure, 2007-2015
Competitive Landscape
- Market Structure
- Protagonists
- Table: Protagonists In Poland's Commercial Banking Sector
- Definition Of The Commercial Banking Universe
- List Of Banks
- Table: Foreign Owned Banks In Poland
- Table: Other Banks Identified By The NBP
Company Profiles
- Bank Gospodarstwa Krajowego
- Table: Key Statistics For Bank Gospodarstwa Krajowego, 2006-2008 (PLNmn)
- Bank Ochrony Srodowiska
- Table: Stock Market Indicators
- Table: Balance Sheet (PLNmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Bank Pocztowy
- PKO Bank Polski
- Table: Stock Market Indicators
- Table: Balance Sheet (PLNmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Bank Gospodarki Zywnosciowej
- Table: Key Statistics For Bank Gospodarki Zywnosciowej, 2007-2008 (PLNmn)
- Bank Polska Kasa Opieki (Pekao)
- Table: Stock Market Indicators
- Table: Balance Sheet (PLNmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Bank Zachodni WBK
- Table: Stock Market Indicators
- Table: Balance Sheet (PLNmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
BMI Banking Sector Methodology
- Commercial Bank Business Environment Rating
- Table: Commercial Banking Business Environment Indicators And Rationale
- Table: Weighting Of Indicators

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Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.