BANKING SECTOR KEY DATA 03/2008
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1 BANKING SECTOR KEY DATA 03/2008 LIST OF TABLES: TABLE 1 STRUCTURE OF THE POLISH BANKING SECTOR TABLE 2 POLISH BANKING SECTOR KEY DATA TABLE 3 COMMERCIAL BANKS AND BRANCHES KEY DATA TABLE 4 CO-OPERATIVE BANKS KEY DATA Notes: 1/ All data are based on solo bank reports. 2/ Data for 2007 compiled on the basis of the preliminary figures (capital adequacy data as at )
2 TABLE 1 STRUCTURE OF THE POLISH BANKING SECTOR 12/ / / / / /2008 Number of banks Staffing at banks 151, , , , , ,399 Bank offices, including: 12,324 11,754 11,987 12,562 13,468 13,602 - branch offices 4,394 5,005 5,085 5,184 5,605 5,716 - other 7,930 6,749 6,902 7,378 7,863 7,886 in total assets - commercial banks of which: under foreign control branches of credit institutions x cooperative banks in loans to non-financial customers - commercial banks of which: under foreign control branches of credit institutions x cooperative banks in deposits taken from non-financial customers - commercial banks of which: under foreign control branches of credit institutions x cooperative banks
3 TABLE 2 POLISH BANKING SECTOR KEY DATA 03/ / / / / / / / /2008 Total 603, , , , , , , , ,844 Due from financial corporations 127, , , , , , , , ,452 Due from non-financial customers 259, , , , , , , , ,716 Due from general government 21,093 20,778 21,512 22,776 23,509 21,118 19,592 21,440 20,202 Securities held 132, , , , , , , , ,733 Due to financial corporations 93, , , , , , , , ,940 Due to non-financial customers 337, , , , , , , , ,573 Due to general government 34,303 35,494 42,339 32,459 43,757 44,566 53,305 44,706 51,506 Securities issued and outstanding 12,845 14,006 14,136 15,910 10,261 10,001 11,581 12,366 12,480 Capital funds and subordinated loan capital 55,255 58,129 57,918 59,208 59,861 63,846 64,633 69,964 70,137 Loans to non-financial customers 269, , , , , , , , ,651 to corporates 125, , , , , , , , ,065 to households, including: 143, , , , , , , , ,861 housing loans, of which: 55,424 63,994 71,189 78,175 87,132 96, , , ,895 - in zloty 19,204 21,055 23,827 28,207 32,819 39,880 46,979 52,596 56,209 - in foreign currency 36,220 42,939 47,362 49,968 54,313 56,869 62,647 65,132 74,686 Deposits taken from non-financial customers, including: 330, , , , , , , , ,108 from corporates 96, , , , , , , , ,069 from households 223, , , , , , , , ,344 Capital base (regulatory capital) 48,052 49,223 49,935 51,234 52,188 55,562 57,451 63,113 61,759 Overall capital requirement, of which: 26,125 27,987 29,779 31,151 33,471 35,822 39,033 40,967 46,130 - credit risk 24,771 26,434 28,186 29,515 31,661 33,798 36,819 38,772 39,309 - operational risk x x x x x x x x 5,163 Risk-based capital ratio (%) Net income from banking activity, of which 8,682 17,341 25,918 35,131 10,044 20,337 30,726 41,383 11,484 - net interest income 4,990 9,954 15,086 20,702 5,638 11,407 17,659 24,290 6,983 - net non-interest income (fees) 2,125 4,343 6,657 9,142 2,570 5,301 8,180 11,010 2,773 - net non-interest income (equities) ,090 1, net non-interest income (financial operatios) , ,136 1, net non-interest income (FX) 937 1,781 2,400 3, ,894 2,816 3,653 1,239 Net income/expense on other operating activity , General expense, of which 4,393 9,022 13,618 18,997 4,853 10,102 15,411 21,652 5,605 - personnel expense 2,469 5,064 7,700 10,738 2,741 5,716 8,773 12,265 3,136 Depreciation 593 1,105 1,656 2, ,107 1,680 2, Net movements in provisions and valuation allowances ,188 1, ,297 1, Pre-tax earnings 3,553 6,916 10,134 13,030 4,458 8,753 12,894 16,827 4,847 Net earnings 2,981 5,798 8,399 10,697 3,639 7,168 10,486 12,354 3,990 C/I - Cost Income Ratio % ROE - Net earnings to average core capital % * * Excluding branches of credit institutions - 3 -
4 TABLE 3 COMMERCIAL BANKS AND BRANCHES - KEY DATA 03/ / / / / / / / /2008 Total 566, , , , , , , , ,025 Due from financial corporations 116, , , , , , , , ,177 Due from non-financial customers 240, , , , , , , , ,050 Due from general government 20,191 19,822 20,367 21,247 22,046 19,661 18,119 19,725 18,572 Securities held 129, , , , , , , , ,247 Due to financial corporations 93, , , , , , , , ,112 Due to non-financial customers 311, , , , , , , , ,212 Due to general government 30,099 31,196 37,736 28,843 38,675 39,075 47,102 39,884 45,090 Securities issued and outstanding 12,845 14,006 14,136 15,910 10,261 10,001 11,581 12,366 12,480 Capital funds and subordinated loan capital 51,878 54,341 54,096 55,376 55,884 59,499 60,231 65,479 65,499 Loans to non-financial customers 250, , , , , , , , ,609 to corporates 121, , , , , , , , ,081 to households, including: 127, , , , , , , , ,974 housing loans, of which: 54,209 62,677 69,703 76,546 85,386 94, , , ,226 - in zloty 17,989 19,738 22,342 26,578 31,074 37,840 44,643 50,079 53,540 - in foreign currency 36,220 42,939 47,361 49,968 54,312 56,869 62,647 65,132 74,686 Deposits taken from non-financial customers, including: 303, , , , , , , , ,031 from corporates 94, , , , , , , , ,090 from households 199, , , , , , , , ,449 Capital base (regulatory capital) 44,702 45,546 46,222 47,507 48,237 51,315 53,116 58,644 57,164 Overall capital requirement, of which: 24,317 26,071 27,783 29,021 31,205 33,412 36,509 38,394 43,395 - credit risk 22,965 24,524 26,193 27,398 29,413 31,402 34,308 36,208 36,990 - operational risk x x x x x x x x 4,757 Risk-based capital ratio (%) Net income from banking activity, of which 8,082 16,107 24,021 32,552 9,352 18,916 28,523 38,373 10,645 - net interest income 4,572 9,097 13,767 18,901 5,153 10,404 16,088 22,119 6,355 - net non-interest income (fees) 1,950 3,981 6,107 8,399 2,374 4,907 7,585 10,205 2,563 - net non-interest income (equities) ,083 1, net non-interest income (financial operatios) , ,119 1, net non-interest income (FX) 934 1,774 2,390 2, ,886 2,804 3,637 1,235 Net income/expense on other operating activity , General expense, of which 4,002 8,201 12,368 17,251 4,429 9,205 14,029 19,709 5,123 - personnel expense 2,184 4,468 6,788 9,473 2,430 5,062 7,763 10,854 2,784 Depreciation 558 1,033 1,547 2, ,030 1,563 2, Net movements in provisions and valuation allowances ,137 1, ,248 1, Pre-tax earnings 3,388 6,595 9,637 12,405 4,240 8,328 12,221 15,963 4,547 Net earnings 2,847 5,541 7,999 10,194 3,460 6,824 9,942 11,662 3,741 C/I - Cost Income Ratio % ROE - Net earnings to average core capital % * * Excluding branches of credit institutions - 4 -
5 TABLE 4 CO-OPERATIVE BANKS - KEY DATA 03/2006 6/ / / / / / / /2008 Total 36,801 38,494 39,396 42,126 45,110 45,283 47,468 48,927 51,819 Due from financial corporations 11,651 11,865 11,467 12,660 13,555 11,851 12,675 13,769 15,275 Due from non-financial customers 18,830 19,993 21,081 22,371 23,677 25,831 27,010 27,465 28,666 Due from general government ,145 1,529 1,463 1,457 1,473 1,715 1,630 Securities held 2,432 2,582 2,715 2,767 3,199 2,891 2,895 2,606 2,486 Due to financial corporations Due to non-financial customers 26,617 28,098 28,659 32,368 33,404 32,812 33,899 36,955 37,361 Due to general government 4,204 4,298 4,603 3,616 5,082 5,491 6,203 4,822 6,416 Securities issued and outstanding Capital funds and subordinated loan capital 3,377 3,788 3,822 3,832 3,977 4,347 4,402 4,485 4,638 Loans to non-financial customers 19,082 20,261 21,363 22,699 24,004 26,184 27,353 27,852 29,042 to corporates 3,811 4,084 4,234 4,392 4,685 5,112 5,423 5,529 5,984 to households, including: 15,207 16,108 17,052 18,215 19,223 20,960 21,790 22,158 22,887 housing loans, of which: 1,215 1,317 1,486 1,629 1,746 2,040 2,336 2,517 2,669 - in zloty 1,215 1,317 1,485 1,629 1,745 2,040 2,336 2,517 2,669 - in foreign currency Deposits taken from non-financial customers, including: 26,418 27,897 28,445 32,170 33,178 32,584 33,650 36,718 37,077 from corporates 1,893 2,123 2,318 2,852 2,708 2,687 2,908 3,455 2,979 from households 23,698 24,867 25,143 28,374 29,456 28,762 29,553 32,121 32,895 Capital base (regulatory capital) 3,350 3,677 3,713 3,727 3,951 4,247 4,335 4,469 4,595 Overall capital requirement, of which: 1,808 1,916 1,996 2,130 2,266 2,410 2,524 2,573 2,735 - credit risk 1,806 1,910 1,993 2,117 2,248 2,396 2,511 2,564 2,320 - operational risk x x x x x x x x 406 Risk-based capital ratio (%) Net income from banking activity, of which 600 1,234 1,897 2, ,422 2,203 3, net interest income ,319 1, ,004 1,571 2, net non-interest income (fees) net non-interest income (equities) net non-interest income (financial operatios) net non-interest income (FX) Net income/expense on other operating activity General expense, of which ,249 1, ,381 1, personnel expense , ,009 1, Depreciation Net movements in provisions and valuation allowances Pre-tax earnings Net earnings C/I - Cost Income Ratio % ROE - Net earnings to average core capital %
- Sub-standard loans 31,093 50,092 - Unrealized interest on sub-standard loans (10,535) (12,698) Net Sub-Standard Loans 20,558 37,394
CONSOLIDATED BALANCE SHEET ASSETS (In millions of LBP) 1. Cash, Compulsory Reserves and Central Banks 1,012,603 1,014,857 2. Banks and financial institutions 1,234,691 760,707 3. Head office, branches,
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