{"id":643,"date":"2023-04-13T15:30:13","date_gmt":"2023-04-13T13:30:13","guid":{"rendered":"https:\/\/dfcm.eu\/?page_id=643"},"modified":"2024-04-12T16:59:55","modified_gmt":"2024-04-12T14:59:55","slug":"sektor-bankowy-w-polsce-sytuacja-biezaca-i-trendy-2023","status":"publish","type":"page","link":"https:\/\/dfcm.eu\/en\/aktualnosci\/sektor-bankowy-w-polsce-sytuacja-biezaca-i-trendy-2023\/","title":{"rendered":"The banking sector in Poland. Current situation and trends 2023"},"content":{"rendered":"

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The banking sector in Poland. Current situation and trends 2024<\/h1>\n

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The performance of Polish banks for last year looks very good. Banks recorded significant increases in operating income, achieving high profitability ratios, especially in terms of interest income. Despite the challenges posed by the mortgage loan portfolio denominated in CHF\u2696\ufe0f\ud83d\udcb4, the sector still has strong income potential and growth opportunities, especially after the partial resolution of the main problem of many banks, (CHF loans). <\/span><\/p>\n

Forecasts for the coming years are optimistic, primarily due to the still high interest rates and the potential increase in demand for consumer loans (mortgages) due to the improving economy \ud83c\udfd6\ufe0f\ud83c\udfe2 and the financing of companies and local government entities (absorption of funds from NRP and UE funds) Banks should invest a significant part of their profits in high-tech solutions primarily based on artificial intelligence and robotics, which will accelerate the development of the banking business while reducing operating costs. <\/span><\/p>\n

In an environment of falling interest rates, technological superiority and quality of service will be key to maintaining profitability. A rapid and efficient resolution of CHF-denominated loans remains a priority, allowing the sector to focus on financing the economy and consumer needs driven by innovative technologies. A major challenge is the rapid and significant growth of credit to businesses and local governments which has reached historic lows (relative to GDP) which correlates with the lowest level of investment relative to GDP in Poland in a decade\ud83d\udcc9\ud83c\udf2a\ufe0f<\/span><\/p>\n

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\u21d3<\/a>The banking sector in Poland. Current situation and trends 2024<\/a><\/a><\/strong><\/span><\/a>\u21d3<\/a><\/strong><\/span><\/h3>\n

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Bibliography:<\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.5.0″ _module_preset=”default” custom_padding=”0px||||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.5.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.10.6″ _module_preset=”default” text_text_color=”#000000″ global_colors_info=”{}”]<\/p>\n

Polish Bank Association, Poland and Europe in the New Reality, Issue IX, September 2022<\/p>\n

(UKNF) Office of the Financial Supervisory Commission, Monthly data of the banking sector as of January 31, 2023.<\/p>\n

National Bank of Poland,Financial System Stability, December 2022<\/p>\n

Union of Polish Banks, Banking Monitor, December 2022<\/p>\n

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Plac Trzech Krzy\u017cy 10\/14<\/span>
00-535 Warsaw, Poland<\/span><\/p>\n

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Sytuacja polskiego sektora bankowego oraz perspektywy na 2024  Wyniki polskich bank\u00f3w za ubieg\u0142y rok prezentuja si\u0119 bardzo dobrze. Banki odnotowa\u0142y znaczne wzrosty przychod\u00f3w operacyjnych, osi\u0105gaj\u0105c wysokie wska\u017aniki dochodowo\u015bci, zw\u0142aszcza je\u015bli chodzi o dochody odsetkowe. Pomimo wyzwa\u0144 zwi\u0105zanych z portfelem kredyt\u00f3w hipotecznych denominowanych w CHF\u2696\ufe0f\ud83d\udcb4, sektor ma nadal du\u017cy potencja\u0142 dochodowy i szanse na rozw\u00f3j, szczeg\u00f3lnie […]<\/p>","protected":false},"author":3,"featured_media":0,"parent":55,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-643","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/pages\/643","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/comments?post=643"}],"version-history":[{"count":10,"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/pages\/643\/revisions"}],"predecessor-version":[{"id":669,"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/pages\/643\/revisions\/669"}],"up":[{"embeddable":true,"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/pages\/55"}],"wp:attachment":[{"href":"https:\/\/dfcm.eu\/en\/wp-json\/wp\/v2\/media?parent=643"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}