Mortgage Lending in Poland 2014-2016

  • ID: 2760583
  • February 2014
  • Region: Poland
  • 30 Pages
  • Inteliace Research
1 of 4


  • BPH
  • BZ WBK
  • GetinNoble bank
  • mbank
  • Millennium
  • Pekao
  • MORE

“Mortgage lending in Poland 2014-2016” is the latest edition of the regular research paper. Report builds on the success of the 2013 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 2016 has been also included.

Research findings have been presented in a structured and logical way in a form of horizontal presentation on 30 slides.

After five years of continuous erosion, real estate prices in Poland showed first signs of stabilization and recovery in Q2 and Q3 of 2013. Falling supply of new homes and interest rates on record lows provided price support. The construction sector still lagged behind in 2013 as the number of new building permits and building starts recorded a multi-year low of 139k and 127k units respectively. The persisting weakness in construction sector could be explained with various factors including: still low affordability of real estate due to high unemployment and the overall READ MORE >

Note: Product cover images may vary from those shown
2 of 4


  • BPH
  • BZ WBK
  • GetinNoble bank
  • mbank
  • Millennium
  • Pekao
  • MORE

Executive summary

1. Residential real estate stock & prices
Slide 1: New dwellings completed , starts, permits, 2006-2013
Slide 2: New dwellings completed by regions, 1-3Q 2013
Slide 3: Residential real estate prices in key cities, 2006-3Q2013
Slide 4: Housing stock in Poland, dwellings, rooms, occupied space, census data 2002/2011

2. Mortgage lending
Slide 5: Total lending to households by client segments (individuals, entrepreneurs, farmers), GDP-penetration, 2007-2013
Slide 6: Total lending to households by type of loan, 2007-2013
Slide 7: Mortgage loans to households, local vs. foreign currency, 2007-2013
Slide 8: Number of new mortgage loans, average loan size, value of new loans, 2007-2013
Slide 9: Mortgage lending penetration benchmarks - International comparison, 1H2013
Slide 10: New mortgage loans by size and LTV, 3Q2008-3Q2013
Slide 11: New mortgage loans by currency, 3Q2008-3Q2013
Slide 12: Top players (market share>5%) on the mortgage loans market, 3Q2013
Slide 13: The role of financial intermediaries in mortgage loans distribution, 2009-2012
Slide 14: Reference rates: WIBOR3M & LIBOR CHF 6M, 2009-2013
Slide 15: Average lending margins evolution – PLN loans, 2010-2013
Slide 16: Average lending margins evolution – FX (EUR) loans, 2010-2013

3. Regulatory issues, risk
Slide 17: The evolution of mortgage loan NPLs, Mar.2009-Sept.2013
Slide 18: Regulatory environment with regards to mortgage loans
Slide 19: CHF/PLN exchange rate, C/A balance, 2000-2013

4. Forecast
Slide 20: Mortgage loans – outstanding value forecast and GDP penetration, 2014-2016

Methodological notes

Note: Product cover images may vary from those shown
3 of 4

- GetinNoble bank
- mbank
- Millennium
- PKO Bank Polski
- Pekao

Note: Product cover images may vary from those shown
4 of 4
Note: Product cover images may vary from those shown





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