The Polish Banking Sector 2013/2014 Overview

The data provides insights into the Polish banking sector for the years 2013 and 2014, including information on the number of banks, ownership structure, assets, profits, and the percentage of assets belonging to loss-bearing banks compared to other EU countries. There is a visible trend of increasing Polish capital within the sector, as indicated by the ownership structure data. The assets of Polish banks in billion PLN and EUR, their own funds, and net/gross profits are also highlighted in the content.

• Polish banking sector
• 2013/2014
• ownership structure
• assets
• profits

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1. The Polish Banking Sector 2013/2014 The Polish Bank Association Warszawa, March 2014

2. Banks in Poland 2013/2014 Commercial banks (including 2 regional co-operative banks): 43/40 Branches of credit institutions: 26/28 Co-operative banks: 572/569 Number of service outlets, 15.432/15.266 branches, sub-branches, branch offices: Number of employees: 174.668/ 173.671 Data by Polish Financial Supervision Authority for the days: 31/01/2013 - 31/03/2014

3. Ownership structure in % of capital in Polish banking sector 80 72.3 70.9 68.1 66.2 70 65 62.5 60 50 37.5 Foreign 40 35 33.8 31.9 Domestic 29.1 27.7 30 20 10 0 2007 2008 2009 2010 2011 2012 There is a visible trend of increase in Polish capital within the sector. Source: Polish Financial Supervision Authority 3

4. Polish banks' assets in bn PLN, EUR 1600 1442.0 1420.0 1400 1335.3 1294.6 1159.4 1200 1057 1000 PLN 800 EUR 600 345.8 338.1 400 326.5 293.6 292.8 257.9 200 0 2009 2010 2011 2012 2013 03 2014 Source: Polish Financial Supervision Authority 4

5. Assets/GDP 86.20% 85.01% 84.60% 81.85% 81.60% 78.60% 67.70% 64.30% 2006 2007 2008 2009 2010 2011 2012 2013 Source: Polish Central Bank

6. Polish banks' own funds (in bn PLN, EUR) 180 155.9 160 153.4 146.6 140 128.9 115.9 120 103.8 100 PLN 80 EUR 60 37.39 35.8 40 33.2 29.0 28.8 25.1 20 0 12.2009 12.2010 12.2011 12.2012 12.2013 03. 2014 Source: Polish Financial Supervision Authority 6

7. Net and gross profits (EUR bn) 5.00 4.68 4.49 4.44 4.50 4.00 3.78 3.72 3.59 3.52 3.50 2.88 3.00 2.47 Profits EUR gross 2.50 Profits EUR net 2.02 2.00 1.50 1.19 0.95 1.00 0.50 0.00 2009 2010 2011 2012 2013 03.2014 Source: Polish Financial Supervision Authority 7

8. Percentage of assets belonging to loss-bearing banks in selected EU Countries 20.8 Country 2008 2010 2012 Italy 0.5 6.2 Austria 9,1 4,8 6,2 0 Poland 0 0.2 Belguim 80,9 n.a. 25,2 4.5 The Netherlands 17.8 8.5 Cyprus 0,3 0,4 62 42 UK 0.3 2012 39.1 Germany 52,5 n.a. 1,7 2010 26 France 0 2008 22 France 22 n.a. 26 1.7 Germany 0 52.5 UK The Netherlands 39,1 0,3 42 62 Cyprus 0.4 0.3 8,5 17,8 4,5 25.2 Belguim 0 80.9 Poland 0,2 0 0 6.2 Austria 4.8 9.1 Italy 6,2 0,5 20,8 0 20 40 60 80 100 8

9. Return on Assets in Selected EU Countries ROA by Country ROA Polish Banking Sector 2008 2010 2012 Austria 0,1 0,5 0,3 1.8 1.7 1.7 1.66 1.6 1.6 Belgium -1,8 0,4 0,1 1.4 1.4 1.3 1.27 Germany 1 0,5 -5,3 1.2 1.2 France 0,1 0,4 0,2 1 UK The Netherlands -0,5 0,3 0,1 0.79 0.8 -0,4 0,3 0,3 0.6 0.5 0.5 0.4 Poland 1,7 1,3 1,2 0.2 Italy 4,9 3,8 -1,2 0 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Source: European Central Bank, Polish FSA 9

10. Return on Equity in Selected EU Countries ROE Polish Banking Sector ROE by Country 2008 2010 2012 Austria 2,3 6,6 4,5 25 22.0521.2 Belgium -62,3 10,8 2,6 20.3 19.1 20 Cyprus 13,4 6,2 -178,6 15.9 Germany -11,4 2,3 1,3 15 12.6 11.2 France 2,2 8,3 3,4 10.2 10.1 10 8.4 UK -12,2 4,8 1,9 6.4 5.5 The Netherlands -12,5 7,2 5,9 5 Poland 17 12,5 11,7 0 Italy 4,9 3,8 -1,2 Source: European Central Bank, Polish FSA 10

11. Stable Country-Robust banking sector During the recent financial crisis Polish bank have not required any public support. CAR Polish banking sector 18 The sector is stable, healthy and with good perspectives for growth. 15.75 16 13.8 13.3 14 13.13 13.07 12.1 The sector remained higly profitable in 2013. 11.2 12 10 8 Prospects for 2014 and next years are good. 6 4 2 0 2007 2008 2009 2010 2011 2012 2013 Source: Polish Financial Supervision Authority 11

12. Non-performing loans ratio in % 25 21.2 20 14.9 15 11 10 7.8 7.7 7.7 7.4 7.4 7.3 6.6 5.2 4.6 5 0 2003 2004 2005 2006 2007 2008 2009 2010 2011 09 /2012 12/2012 12/2013 Source: Polish Central Bank, Polish FSA

13. Deposits from non-financial sector in PLN bn, EUR bn enterprises households enterprises households 200.0 800.0 180.0 700.0 160.0 600.0 140.0 500.0 120.0 548.2 563.9 132.1135.2 477.4 516.0 126.2 106.7108.2 100.0 400.0 422.4 387.7 94.6 80.0 330.8 72.3 79.3 300.0 262.4 61.4 238.8 60.0 200.0 40.0 125.9144.9 149.1165.1182.8206.0191.3209.7 197.2 49.9 100.0 47.3 46.8 46.7 46.2 20.0 40.3 39.9 35.8 32.4 0.0 0.0 Source: Polish Central Bank, Polish FSA 13

14. Credits for non-financial sector in PLN bn, EUR bn enterprises households enterprises households 900.0 250.0 800.0 200.0 700.0 600.0 532.0533.2555.5561.7 150.0 500.0 130.4133.9134.7 475.4 120.1120.6 416.4 368.6 400.0 101.6 100.0 88.4 300.0 254.2 65.3 183.4 47.2 200.0 50.0 264.5 272.3 277.9 286.5 68.7 67.0 66.6 222.7 222.1 219.7 60.0 100.0 55.5 54.2 53.4 138.3171.7 47.3 35.6 0.0 0.0 Source: Polish Central Bank, Polish FSA 14

15. Credit growth rate (%) in Poland & Euro zone in 2013 Credit growth rate in 2013 The rate of enterprise ,mortgage credit & consumer credit growth in Poland was higher than in eurozone 5.00 4.50 4.00 3.00 2.60 2.00 2.00 0.70 1.00 Poland - Eurozone Enterpises Mortgage Consumer (1.00) (2.00) (3.00) (3.00) (3.00) (4.00) Source: Polish Financial Supervision Authority

16. Polish Foreign Trade in EUR bn 180.00 160.00 152.80 141.94 135.75 140.00 120.37 120.00 98.22 100.00 Export 80.00 155.10 151.68 150.46 Import 134.19 60.00 Result 107.53 40.00 20.00 0.00 -2.30 2009 2010 2011 2012 2013 -20.00 -9.31 -9.74 -13.82 -14.70 -40.00 Source: Minstry of Economy 16

17. Thank you for your attention Questions:pawel.pniewski@zbp.pl