Sektor bankowy w Polsce. Sytuacja bieżąca i trendy 2024

Wyniki polskich banków za ubiegły rok prezentują się bardzo dobrze. Banki odnotowały znaczne wzrosty przychodów operacyjnych, osiągając wysokie wskaźniki dochodowości, zwłaszcza jeśli chodzi o dochody odsetkowe. Pomimo wyzwań związanych z portfelem kredytów hipotecznych denominowanych w CHF⚖️💴, sektor ma nadal duży potencjał dochodowy i szanse na rozwój, szczególnie po częściowym uporaniu się z głównym problemem wielu banków, (kredyty w CHF). Prognozy na najbliższe lata są optymistyczne, przede wszystkim ze względu na nadal wysokie stopy procentowe oraz potencjalny wzrost zapotrzebowania na kredyty konsumpcyjne (hipoteczne) spowodowany poprawą koniunktury 🏖️🏢 oraz finansowanie firm i podmiotów samorządowych (absorpcja środków z KPO i funduszy UE).

Gaming - growth potential in times of turbulence

Gaming remains a thriving industry in the digital economy both in Poland and globally. Covid has driven dynamic and operational growth in this area, with multiple IPOs, M&As worldwide. Taking into account the PC and console segments, companies point out that the catalyst for effects will be new title launches scheduled for the next few years. It will lead to some sinusoids in results, too. After the pandemic jump, most companies experience an overall decline in the nominal number of gamers, yet, their engagement continues to be high. On the other hand, revenues from live services and the sale of digital goods in games considerably contribute to current outcomes, smoothing out the seasonality of those results, accordingly.

Robotics in the wake of the 4th Industrial Revolution

Automation solutions have been known for some time, though the current trends such as rising labour costs, artificial intelligence or even the transformation towards electric cars suggest their dynamic growth over the next few years. The examples of UiPath and VersaBox show the potential of developing these technologies in the CEE region, as well as the inseparability of robotics and machine learning.

Economic Snapshot | Poland

Poland's GDP in the first half of 2021 has recovered to pre-pandemic levels. Compared to the previous year, GDP grew by 5. 3%. Poland’s annual inflation rate accelerated for the sixth straight month to 8.6% and weakened the position of the Polish zloty against the EUR and USD.

Cryptocurrencies: the gold standard of the 21st century?

Over the past 3 years, Bitcoin price surged over 12 fold. This is a well-known fact, but it reflects the ever-growing popularity of cryptocurrencies. These are vast fluctuations that cryptocurrencies are associated with, but their applications go far beyond than merely investments. In the future, their applications can shift from network ones such as Bitcoin and Ethereum towards private use. They can be used to finance projects through Initial Coin Offerings, serve as a medium of exchange in the Metaverse, and due to the recent moves of central banks, even complement traditional money! More about them can be found in link. Więcej na ich temat w artykule pod tym linkiem.

AI and Machine Learning: Novel VC’s investment sweet spot

Artificial intelligence (AI) and machine learning are in the limelight for Venture Capital funds. Impressive achievements in these areas not only enable cost reduction, but also the creation of revolutionary new products.

Neo-banks: New lending market disruptors?

Fintechs operating exclusively in the online sphere, have so far been associated primarily with applications that allow for management of personal finance and currency exchange with zero commission. Lending remained mainly an expertise of traditional banks, however, in this aspect there has been a significant shift recently.

Insurtech as a driver of digital disrupt in the insurance business.

In 2016, the Insurtech barely existed in the internet sphere and the term itself was vague and imprecise. Today, in only 0.77 seconds Google Search generates over 5 million results, while Insurtech companies are not only a point of interest of venture capitalists, but also major insurers uncertain about their future competitive advantages.

FinTech & InsurTech Digital Congress

On March 18-19, DFCM had the honor of participating in the FinTech & InsurTech Digital Congress conference with the participation of the leaders of the insurance and banking industries in the context of the growing pressure from fintechs and insurtechs and the challenges after the coronavirus pandemic.

BIK completes the acquisition of Punkta

Pollen Street Capital are pleased to announce BIK has acquired Punkta, a leading online comparison platform focused on Motor and other personal lines insurance in Poland.

MCI.EuroVentures Completes Partial Sale of Stake in Netrisk to TA Associates

WARSAW and BUDAPEST, 8 January 2020 – MCI Group, a leading Central European private equity firm with headquarters in Warsaw (Poland), announced today that their Fund MCI.EuroVentures is selling a portion of its shares in Netrisk, the leading online insurance brokerage in Hungary, to global growth private equity firm TA Associates for EUR 55 million (PLN 235 million). As a result of the partial exit, MCI.EuroVentures (buyout fund of MCI Group) has realized a return on investment of 3.0x CoC and 73% IRR.

Polish-based SMEO raised over PLN 21 million

The factoring company SMEO obtained additional funds to finance the invoices of Polish entrepreneurs. Two funds invested in SMEO: Dutch Finch Capital and Polish Precapital. The total vauea of the transaction exceeds PLN 21 million.

Poland | Impact of COVID-19 Pandemic, Forecast

The Polish economy is set to be the least affected in the EU by the Covid-19 pandemic, despite the virus bringing an end to around three decades of uninterrupted economic growth in Poland

FinTech&InsurTech – Kongres w Warszawie z udziałem DFCM.

Following our partnership we were honoured to inaugurate today an annual Fintech&Insurtech Congress: an elite forum for the exchange of thoughts on the development of technology in the financial and insurance sectors. The Keynote Speech delivered by our CEO Jarosław Dąbrowski looked holistically at the world post-COVID-19 emphasizing shifts in FinTech and InsureTech Landscape.

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