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363 427,40
428 486,30469 701,50
466 520,20488 961,60
538 472,40
586 425,58
681 791,61
794 950,29
1 039 156,481 056 677,00
1 158 533,00
1 294 564,00
1 353 084,00
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Net assets of banking sector (PLN mn)
Source: NBP
In 2012, the balance sum’s growth reached 4.5% vs. the previous year , which proves the significant fall of its pace ( in 2011, the achieved result was 11.3%.).
Source: EBF
Assets vs. EU’s GDP in 2011 r. (%)
Source: NBP
Liabilities from the non-financial sector (PLN mn)
Źródło: KNF
Share of FX credits in mortgage loans for households in 2010-2012 (%)
Source: NBP
Impaired liabilities’ share (%)
11,00%
7,40%
5,20%
4,60%
7,90%
8,80%
8,20%
8,90%
2005 2006 2007 2008 2009 2010 2011 2012
Liabilities from non-financial sector (PLN mn)
285 664,10 295 981,90310 199,50
337 397,65
383 884,81428 247,64
506 088,50
574 737,80
628 238,00
698 598 723 984
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Source: NBP
The annual growth of this figure amounted to 3.6% in 2012 and was significantly lower than in previous years (growth of 12.6% and 9.3%, respectively).
Liabilities from foreign financial sector (PLN mn)
Source: KNF
104 096
170 065
188 599
157 167
2009 2010 2011 2012
25 76730 689
37 769 40 558 40 564 42 71946 587
51 234
61 765
77 569
89 737100 599
110 681
128 890
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Banking sector’s own funds (PLN mn)
Sorce: NBP
Banking sector’s solvency ratio
Source: KNF
12 264,0
13 658,2
8 089,2
11 477,0
15 539,416 138,5
2007 2008 2009 2010 2011 2012
Net financial result of banking sector (PLN mn)
Source: NBP
1,69% 1,66%1,53%
0,79%
1,04%
1,27% 1,22%
2006 2007 2008 2009 2010 2011 2012
Source: NBP
Effectiveness ratio - ROA (%)
22,31% 22,40%20,50%
9,73%11,70%
15,60%14,60%
2006 2007 2008 2009 2010 2011 2012
Effectiveness ratio - ROE (%)
Source: NBP
Interest margin (%)
Source: NBP
3,28% 3,26%3,11%
3,35%
2,50%
2,78%2,85%
2,68%
2005 2006 2007 2008 2009 2010 2011 2012
Source: NBP
Operating costs ratio (%)
65,50% 62,87%60,29%
56,30% 54,40% 54,30% 51,30%50,90% 50,90%
2004 2005 2006 2007 2008 2009 2010 2011 2012
C/I ratio in EU in 2011 (%)
Source: EBF
33 90942 125
48 924
56 539 61 715
70 434
78 360
85 819
2005 2006 2007 2008 2009 2010 2011 2012
Cooperative banks’ assets (PLN mn)
Source: NBP
In 2012 balance sheet amount’s growth in cooperative banks reached 9.5%, and was respectively slightly lower than in 2011 (11.3%).
Cooperative banks’ share in banking sector’s assets (%)
Source: NBP
6,2 6,25,4 5,8 6,1 6,1 6,3
2006 2007 2008 2009 2010 2011 2012
509
683
900
690736
898
980
2006 2007 2008 2009 2010 2011 2012
Net financial results of cooperative banks (PLN mn)
Source: NBP
The pace of the net profit growth amounted to 9.1% last year.
Value of ROE ratio in cooperative banks (%)
Source: NBP