2006 Saw the Combined Net Profit of Poland's Commercial Banks Increase an Impressive 17% to 2.6 bn EUR.

DUBLIN, Ireland -- Research and Markets (http://www.researchandmarkets.com/reports/c54408) has announced the addition of Banking Market In Poland 2007 - CEE Banking Series to their offering.

In 2006 the combined net profit of commercial banks in Poland increased 17% to 2.6 bn EUR. Key profitability ratios of banks improved significantly: ROAA rose to 1.7%, while ROAE exceeded 16%. These favorable developments were attributable in the first line to quickly growing volumes (commercial banks assets increased by 16%) and other factors like stable margins and well controlled costs.

About the report:

"Banking Market in Poland 2007" is the latest full update of our comprehensive annual publication on the banking sector in Poland. It is describing the present market structure and recent trends on the market. It also provides short term estimates of key banking volumes for the years 2007-2009.

If compared to previous - 2006 edition, it has been upgraded with several new analyses, especially in the retail banking area and contains now 108 pages. When preparing this report we have also responded to the feedback received form our customers and have incorporated several improvements making this new issue even more client-friendly and informative.

1. Macroeconomic overview

Slide 1: Executive summary

Slide 2: Poland - General overview

Slide 3: Key macroeconomic indicators, 2000-2006

Slide 4: Foreign trade statistics, C/A balance, FDIs, 2000-2006

Slide 5: Yield curves, 2001-2006

Slide 6: Warsaw Stock Exchange - Turnover, Market cap and indexes, 2000-2006

Slide 7: Unemployment and wages, 2000-2006

Slide 8: Disposable income in households and distribution, 2000-2006

Slide 9: Consumer confidence Index evolution, 2004-2006

2. Banking market

2.1. Banking market - General trends

Slide 10: CEE banking markets: Size vs. growth matrix, 2004-2006

Slide 11: CEE banking penetration benchmarks - International comparison, 2006

Slide 12: Structure of the Polish Banking System, 2006 Q3

Slide 13: Polish Banking System ERA analysis, 1989-2006

Slide 14: Evolution of banking assets by ownership, 1993-2006 Q3

Slide 15: Top foreign investors on the Polish banking market, 2006

Slide 16: Banking assets evolution (LCU, EUR), 2000-2006

Slide 17: Banking assets evolution (in EUR) by type of banks, 2000-2006

Slide 18: Top 12 commercial banks, market shares, ownership, 2006

Slide 19: Top 12 commercial banks - pro forma calculation including recent M&A activity

Slide 20: Concentration of the banking market (Assets, Branches, ATMs, HH Index), 2006

Slide 21: Deposits by customer segment evolution, 2000-2006

Slide 22: Loans by customer segment evolution, 2000-2006

Slide 23: Non-performing loans evolution and ratios by type of customer, 2000-2006Q3

2.2. Banking market - Regulatory overview

Slide 24: Regulatory overview: Regulatory bodies on the Polish banking market

Slide 25: BFG - Deposit Insurance Fund

Slide 26: BIK - Credit information Office

Slide 27: Central Bank mandatory reserve policy, 2000-2006

Slide 28: Recent regulatory initiatives: Anti-usury, FX-denominated mortgage

2.3. Banking market - Banking Infrastructure

Slide 29: Bank outlets by type evolution, 2000-2006

Slide 30: Bank outlets development plans of major banks, 2006

Slide 31: Employment in commercial banks sector, productivity per employee evolution, 2000-2006

Slide 32: ATM evolution, 2000-2006

Slide 33: POS evolution, 2000-2006

3. Retail banking

Slide 34: Account penetration in Poland vs. other countries, 2004/2006

Slide 35: Retail banking clients by segment in Poland, 2006

Slide 36: Households deposits and cash evolution, 2000-2006

Slide 37: Households loans evolution, 2000-2006

Slide 38: TOP 5 banks serving households sector, market shares, 2006

Slide 39: Retail deposits structure by currency evolution, 2000-2006

Slide 40: Retail deposits structure by maturity evolution, 2000-2006

Slide 41: Investment funds assets evolution, 1996-2006

Slide 42: Investment funds assets composition, 2006

Slide 43: Investment funds market shares - Top 10 players, 2006

Slide 44: Personal Financial Assets (PFA) structure and evolution, 2004-2006

Slide 45: Retail loans by type evolution, 2000-2006

Slide 46: Mortgage by currency evolution, 2000-2006

Slide 47: Cards issued by type evolution, 2000-2006

Slide 48: Card transactions evolution, 2000-2006

Slide 49: Credit card transactions , values, volumes, per card evolution, 2000-2006

Slide 50: Top players in credit cards business, 2006

Slide 51: Mass payments market structure, 2006

Slide 52: Financial intermediaries segmentation, 2006

Slide 53: Major intermediaries by value loans sold, 2006

Slide 54: Total number and value of loans and funds sold by major intermediaries, 2006

Slide 55: Specialized loan distribution networks of banks, 2006

Slide 56: Perspectives for financial intermediaries

Slide 57: Use of direct channels by cash loan providers, 2006

Slide 58: Internet and PC penetration in Polish households, shopping online penetration, 2006

Slide 59: Current accounts at major banks, internet access penetration

Slide 60: Direct Cash loans distribution - Sygma Bank case

Slide 61: Online Banking - mBank case

4. Corporate banking

Slide 62: Corporate subjects, number and revenues, 2004/2006

Slide 63: Corporate deposits and loans evolution, 2000-2006

Slide 64: Top 5 players on the corporate banking market, 2006

Slide 65: Brokerage business, top players, 2000-2006

Slide 66: Leasing market, top players, 2000-2006

Slide 67: Non-treasury debt security market, 2000-2006

5. Banks profitability

Slide 68: Average retail and corporate banking margins evolution, 2004-2006

Slide 69: Commercial banks profitability tree - market averages evolution, 2003-2006

Slide 70: Top 5 commercial banks profitability tree - comparison, 2006

Slide 71: Efficiency of top banks in Poland - Cost to income, Assets/Personnel/Branches benchmarks, 2006

Slide 72: Segment reporting (1/2): volumes, revenues and profit by segment (retail, corporate, other), 2006

Slide 73: Segment reporting (2/2): volumes, revenues and profit by segment (retail, corporate, other), 2006

6. Banks valuation and M&A activity

Slide 74: Strategic control map for major listed banks in Poland, 2007Q1

Slide 75: Market multiples for major listed banks in Poland, 2007Q1

Slide 76: Share performance on the stock market for major listed banks in Poland, 2006- 2007Q1

Slide 77: Recent M&A transactions on the Polish banking market, P/BV multiples

7. Top banks profiles

Slide 78-79: Bank profiles: PKO Bank Polski 

Slide 80-81: Bank profiles: Bank Pekao

Slide 82-83: Bank profiles: Bank BPH

Slide 84-85 Bank profiles: ING Bank Slaski

Slide 86-87: Bank profiles: BRE Bank

8. Mid-term forecasts

Slide 88: Banking assets forecast, 2007-2009

Slide 89: Key retail volumes forecast, 2007-2009

Slide 90: Key corporate volumes forecast, 2007-2009

9. Notes on methodology

Companies Mentioned:

- Dombank

- Raiffeisen

- Pekao

- BPH 

- Santander

- GE money

- BRE Multibank

- ING

- Polbank EFG 

- Fortis

- BZ WBK 

- Millennium

- Kredyt Bank

- PKO Bank Polski

- Dombank

- Raiffeisen

- mBank

- emFinanse

- Expander

- Open finance

- AWD 

- BISE

- DnB Nord

- GE money

- AIG 

- Cetelem

- halogotowka

- Lukas

- BGZ 

- BGK 

- Citibank handlowy

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