Banking Market in Poland 2017-2019: CEE Banking Series

  • ID: 4267695
  • Report
  • Region: Poland
  • 116 Pages
  • Inteliace Research
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Total Banking Assets Increased by 7% YoY to a Record of PLN 1.71 Trillion as of December 2016

FEATURED COMPANIES

  • BZ WBK
  • Getin Bank
  • ING Bank
  • mBank
  • Millennium
  • Pekao
  • MORE

'Banking Market in Poland 2017-2019' is the latest full update of the comprehensive annual publication about the banking sector in Poland. It describes the present market structure and recent trends in the market and also provides short-term estimates of key banking volumes for the years 2017 through 2019.

Compared to the 2016 edition, it has been fully revised and now contains 116 pages. When preparing this report, we responded to feedback received from our clients and incorporated several improvements that make this new issue even more reader-friendly and informative.

Banking volumes have continued to grow fast in Poland during 2016, despite relatively unfavourable regulatory environment. Deposits of non-financial clients at banks recorded a strong 11% YoY increase to nearly PLN 1.1 trillion while lending increased a bit slower, at 5% YoY to PLN 1.11 trillion. The growth of volumes was balanced across all client segments, however, retail deposits advanced particularly fast. As a consequence of growing key volumes, total banking assets increased by 7% YoY to a record of PLN 1.71 trillion as of December 2016.

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FEATURED COMPANIES

  • BZ WBK
  • Getin Bank
  • ING Bank
  • mBank
  • Millennium
  • Pekao
  • MORE

1. Macroeconomic Overview

2. Banking Market - General Trends
2.1. Banking Market - Regulatory Overview

3. Retail Banking
3.1. Payment Cards

4. Corporate Banking

5. Banks' Profitability

6. Banks' Valuation and M&A Activity

7. Top 5 Banks - Profiles

8. Mid-Term Forecasts

9. Notes on Methodology


List of Slides
Slide 1: Executive summary
Slide 2: Poland - General overview
Slide 3: Poland vs. other consumer markets in Europe
Slide 4: Key macroeconomic indicators, 2011-2016
Slide 5: Foreign trade statistics, C/A balance, FDIs, 2011-2016
Slide 6: Unemployment, wages & salaries, 2011-2016
Slide 7: Disposable income in households, 2011-2016; income distribution 2015
Slide 8: Consumer confidence Index evolution, 2010-Feb.2017
Slide 9: Warsaw Stock Exchange - Turnover, Market cap and indexes, 2011-2016
Slide 10: CEE banking markets: Size vs. growth matrix, 2014-2016
Slide 11: CEE banking penetration benchmarks - International comparison, 2016
Slide 12: Structure of the Polish Banking System, 2016
Slide 13: Polish Banking System ERA analysis, 1989-2016
Slide 14: Evolution of banking assets by groups of owners (domestic/foreign), 2011-2016
Slide 15: Top 10 foreign investors in the Polish banking market, 2016
Slide 16: Banking assets evolution (LCU, EUR), 2011-2016
Slide 17: Banking assets evolution by groups of banks, 2011-2016
Slide 18: Top 12 commercial banks, market shares, ownership, 2016
Slide 19: Evolution of market shares for top commercial banks, 2013-2016
Slide 20: Concentration of the banking market, 2016 /2015 (Assets, Branches, ATMs, HH Index)
Slide 21: Deposits of non-financial clients by segment, 2011-2016
Slide 22: Loans to non-financial clients by segment, 2011-2016
Slide 23: Deposits and loans of financial clients, 2011-2016
Slide 24: Foreign funding evolution, 2011-2016
Slide 25: Non-performing loans value and NPL ratios by type of business segment, 2010-2016
Slide 26: Non-performing retail loans, ratios by type of product, 2006-2016
Slide 27: Regulatory overview: Regulatory bodies in the Polish banking market
Slide 28: Central Bank interest rates and mandatory reserve policy, 2000-2016
Slide 29: Inter-bank yield curves, 2011-2016 (WIBOR 3M, Polonia O/N)
Slide 30: Basel II/CRD implementation status, Capital requirement, own funds and CAR ratio for banks, 2011-2016
Slide 31: Likely impact of new bank tax (tax on bank assets) on lending margins
Slide 32: Bank outlets by type of bank, 2012-2017 (q1)
Slide 33: Employment in commercial banks, bank assets per employee evolution, 2011-2016
Slide 34: Direct employee costs evolution, 2011-2016
Slide 35: ATM number and transaction value evolution 2011-2016, ATM players, Feb. 2017
Slide 36: POS number and transaction value evolution 2011-2016, POS players, 2015 H1
Slide 37: Demographic trends determining future number of bank clients, 2015-2030F
Slide 38: Retail banking clients by segment - pyramid (mass market, affluent, personal and private banking), 2016
Slide 39: Cash in circulation, cash vs. deposits ratio, 2011-2016
Slide 40: Household deposits evolution, split local vs. foreign currency, 2011-2016
Slide 41: Household deposits by sub-segments, 2015-2016
Slide 42: TOP banks serving household sector, market shares, 2016
Slide 43: Current account penetration in Poland, Bank account holders demography, 2016
Slide 44: Bank account penetration gap: Poland vs. Europe, 2014
Slide 45: Current accounts of individuals (ROR) at major banks, 2014-2016
Slide 46: Internet use and Internet users in Poland, 2016
Slide 47: Number of accounts with online access and number of online accounts actively used, 2011-2016Q3
Slide 48: Mobile devices and mobile banking, top banks and number of users, 2015/2016
Slide 49: Innovation in payments - digital wallets /mobile payments: MasterPass, PayPal, Visa, PKO IKO, BLIK, PayU, SkyCash, mPay etc.
Slide 50: Investment funds assets evolution, domestic and foreign funds, 2011-2016
Slide 51: Investment funds - top 10 players, 2016
Slide 52: Personal Financial Assets (PFA) structure and evolution, 2013-2016
Slide 53: Loans to household sector by type, evolution, 2011-2016
Slide 54: Mortgage to household sector by currency, 2011-2016
Slide 55: Mortgage to household sector - new sales, outstanding contracts, 2011-2016
Slide 56: Consumer lending evolution, 2011-2016
Slide 57: Consumer lending - new loans, 2013-2016
Slide 58: Financial intermediaries: Value and number of loans sold, 2014-2015
Slide 59: Cards issued by type, 2011-2016
Slide 60: Cards payments: Poland vs. Europe, growth vs. market development stage, 2015
Slide 61: Cards payments: International comparison, card payments value, volume, cards issued, 2015
Slide 62: Card transactions by type (cashless, cash), share of cash transactions, 2011-2016
Slide 63: Credit card transactions , values, volumes, per card evolution, 2011-2016
Slide 64: Top players in credit cards business, co-branding partners, 2016
Slide 65: Corporate subjects by size, number, employment, revenues and profits, 2015
Slide 66: Corporate subjects, revenue and profit evolution, 2011-2016
Slide 67: Number of firms by turnover (with 10+ employees), 2015
Slide 68: Corporate subjects, regional distribution, 2016
Slide 69: Corporate deposits and loans evolution, 2011-2016
Slide 70: Top players in the corporate banking market, market shares in deposits and loans, 2016
Slide 71: Brokerage business, top players, shares of investors groups, 2011-2016
Slide 72: Leasing market, structure by industry, top players, 2011-2016
Slide 73: Factoring market, top players, 2011-2016
Slide 74: Non-treasury debt securities market, 2011-2016
Slide 75: Nominal rates on loans and deposits by segment, implied interest margins, 2014-2016
Slide 76: Commercial banks - profitability tree, 2013-2016
Slide 77: Commercial banks - revenue, costs and profits composition, 2016
Slide 78: Top 5 commercial banks profitability tree - peers comparison, 2016
Slide 79: Segment reporting (1/2): volumes, revenues and profit by segment (retail, corporate, other), 2016
Slide 80: Segment reporting (2/2): volumes, revenues and profit by segment (retail, corporate, other), 2016
Slide 81: Share price performance in the stock market for key listed banks in Poland, 2015-2017 Q1
Slide 82: Market multiples for major listed banks in Poland, 2017 Q1
Slide 83: Strategic control map for major listed banks in Poland, 2017 Q1
Slide 84: Efficiency of top banks in Poland - Cost to income, Assets/Personnel/Branches benchmarks, 2016
Slide 85: Acquisition transactions in the Polish banking market (1/3), 2005-2008
Slide 86: Acquisition transactions in the Polish banking market (2/3), 2009-2011
Slide 87: Acquisition transactions in the Polish banking market (3/3), 2012-2016
Slide 88: New entrants, 2014-2017
Slide 89-90: Bank profiles: PKO Bank Polski
Slide 91-92: Bank profiles: Bank Pekao
Slide 93-94: Bank profiles: BZ WBK
Slide 95-96: Bank profiles: mBank
Slide 97-98 Bank profiles: ING Bank Slaski
Slide 99: Forecast - household loans & deposits, 2017-2019
Slide 100: Forecast - corporate loans & deposits, 2017-2019
Slide 101: Forecast - banking assets, 2017-2019

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  • BZ WBK
  • Getin Bank
  • ING Bank
  • mBank
  • Millennium
  • Pekao
  • PKO Bank Polski
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