1. 1 Polish banking sector 2010 Związek Banków Polskich Polish Bank Association

2. 2 Some facts about Poland Area: 312,685 sq. km 5th largest country in EU (after F, E,S,D). Population: 38,13m 6th place in EU (after D, F,UK, I, E). GDP total 2009: ca. 1 271 bn PLN = ca. 409.5 bn USD GDP: +1,1% (2Q’2010) 8th Economy in the EU GDP p.c.(PPP) -ca.61% EU 27 Average ) Unemployment: 9,4% (07’10) Inflation: 2,5% (07’10)

3. 3 Inflation in the years 1991-2007 Yearly price indices of consumer goods and services (%) Source: Central Statistical Office

4. 4 Inflation 2004 - 2009 Source: Central Statistical Office

5. Source: Eurostat5 Real GDP growth rate (%)

6. 6 Banks in Poland 2010 (I) State owned bank : 1 Bank operating as joint stock company (including 3 regional co-operative banks) 51 Branches of credit institutions: 20 Co-operative banks 576 Number of service outlets (branches and sub-branches) 14424 Number of employees: 175 000 - 88 % with university degree - average age 37

7. 7 Banks in Poland 2010 (II) -own funds over PLN 97 bn (06’2010) -over 33m of banking accounts, -over 15m of customers with electronic access to accounts, -over 33 m of cards, over 742 m transactions for the amount of 172 bn PLN (07-12 2009), -over 15 800 ATMs, -over 215 000 POS

8. 8 Ownership structure in Polish banking sector (06/2010) Source KNF

9. 9 Share of foreign ownership in Polish banking sector by country (2008)

10. 10 Banks own funds (PLNbn) Source: National Bank of Poland, KNF

11. 11 Banks own funds (PLNbn) Source: National Bank of Poland, KNF

12. 12 Polish banking sector assets (PLN bn ) Source National Bank of Poland

13. 13 Financial results (bn PLN) Source: National Bank of Poland, KNF

14. 14 ROA and ROE Source National Bank of Poland, KNF

15. Source:NBP15 ROA 2005-2007

16. Source: NBP16 ROE 2005-2007

17. 17 C/I ratio

18. Source: ZBP18 Customers with internet account access

19. 19 Number of cards in circulation (in millions ) Source National Bank of Poland

20. 20 Biuro Informacji Kredytowej SA Credit Information Bureau Bad debts % Source National Bank of PolandSource: Credit Information Bureau Credit reports and BIKSco

21. 21 Bank Assets to GDP Ratio 2007-2008 Source National Bank of Poland

22. 22 Poland and the world crisis No toxic foreign assets in the portofolios of Polish banks. Large capital inflows for infrastructure projects; Broad domestic market; Balanced economy, moderate budget deficit

23. Poland and the world crisis Capital Adequacy Ratio in Polish banks % 23

24. 24 Credits for non-financial sectors

25. 25 Deposits of non-financial sectors Source: NBP in PLN bln

26. 26 Bad debts ratio

27. 27 Unemployment 2001-2010 Source: Central Statistical Office,Eurostat

28. 28 EUR/PLN exchange rate Source National Bank of Poland

29. 29 Poland and the world crisis Polish export in bn EUR Polish export is responsible for ca 30% of GDP Source: Ministy of Economy,

30. 30 Polish banking sector:  Modern;  Efficient;  Financially Sound;  With good perspectives for growth.

31. Polish Bank Association Polish Bank Association (PBA) is a self- government organization of banks founded in 1991. Membership in the ZBP is voluntary and open for all banks created under the Polish law as well as for foreign credit institutions branches operating in the Republic of Poland. 103 Members- all of the commercial banks and largest co-operative banks.

32. Statutory Tasks of PBA The statutory tasks of the Association include:  Representation of members’ interest in contacts with government, parliament and general public;  HR development for the banking sector;  Support and co-ordination of the inter- bank infrastructure development including:  Payment system;  Customer scoring databases;  Absorbtion of EU structural funds.

33. External Co-operation National & Local Government Parliament Ministries- of Finance, Economy, Interior and Administration National Bank of Poland Execution of governmental programmes and strategies.

34. Infrastructure institutions established on the PBAs` initiative  National Clearing House,  Banking Telecom Company “Telbank SA”,  Credit Information Bureau,  CERA Central European Rating Agency, currently Fitch Polska,  the Polish Financial Exchange currently included in MTS CeTO /electronic trading platform of gov and corporate bonds,  the Mediabank Publishing and Marketing Agency,  the Centre of Banking Law and Information,  the Warsaw Banking Institute Foundation

35. Polish Bank Association-main departments I Economic & Regulatory Department Legal Department Financial Markets & Consumer Protection Department Payment Systems & E-banking Department

36. Polish Bank Association-main departments II PR Department Banking HR Development Section Banking Security Section (Physical Security and Frauds) Foreign Section (inc. ICC Poland Secretariat)

37. Payment System & E- Banking Department

38. Common features of all of the bodies Substantial level of autonomy Seperate Boards and Secretaries Seperate budgets Seperate liabilities Fora of cooperation, sharing experiences, internal trainings Think Tanks Selfregulation

39. SEPA Poland Coordinating the process of SEPA implementation and migration in Poland Members: Banks + other stakeholders (banking technology providers, public administration, end users) Working Groups: SEPA Credit Transfer WG, SEPA Direct Debit WG, SEPA Cards WG, SEPA Cash WG, SEPA Infrastructure WG Forum of SEPA Managers SEPA Forum Poland

40. Poland in SEPA 25 Polish Banks in SCT Scheme App. 60% of Eur transactions in SCT formats Leading in the non- euro countries group

41. 41 Bank / Fundusz pożyczkowy/ Spółka Leasingowa Fundusz kapitałowy i siec Aniołów biznesu MSP MSP inwestuje Europejski Fundusz Inwestycyjny Komisja Europejska Europejska inwestuje FunduszGwaranctyjny gwarantuje kredytuje Narodowy punkt kontaktowy dla rynków finansowych: promocja, informacja, konsultacje zapewnia fundusze gwarantuje Program Ramowy Konkurencyjność i Innowacje 2007-2013 Instrumenty finansowe dla MSP

42. 42 Future challenges  Development of country infrastructure  Improvement of banking sector image  Expansion abroad

43. 43 Thank you for your attention