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Author
Białowolski Piotr
Title
Koniunktura w bankowości: styczeń - marzec 2015
Source
Koniunktura w bankowości. Prace i Materiały Instytutu Rozwoju Gospodarczego SGH, 2015, nr 64, 24 s., wykr.
Keyword
Banki, Usługi bankowe, Inwestycje kapitałowe, Wielkość zatrudnienia
Banks, Banking services, Capital investments, Volume of employment
Note
streszcz., summ.
Abstract
W IV kwartale 2014 r. wartość wskaźnika koniunktury w sektorze bankowym drastycznie spadła, osiągając poziom -28,6 punktu. Wynik ten jest o prawie 60 pkt. poniżej wskazania z poprzedniego kwartału, a także znacząco (o 27,7 pkt.) poniżej oczekiwań formułowanych przez banki w poprzednim badaniu. Na spadek wartości wskaźnika bardzo silnie wpłynęły wynik z działalności bankowej, a także wielkość wypracowanego zysku. Również wpływ salda zatrudnienia był negatywny, jednak w znacznie mniejszej skali. W kolejnym okresie spodziewana jest poprawa koniunktury, a prognozowane saldo wynosi -15,3 pkt.(fragment tekstu)

In the 4th quarter 2014 the index of the business condition in the banking sector declined from +29.6 pp. to -28.6 pp. The sudden and considerable decline has been mostly caused by over 80 point decline in indicators of both the result on banking activity and the level of profit. Additionally, the third component of the indicator - employment, also contributed to the slump. Banks have been reducing employment in the 4th quarter of 2014 at an even higher pace than in the preceding quarters. The current reading sheds negative light on the overall performance of the banking sector in 2014. There are however a few brighter spots in the condition of the banking sector at the end of 2014. First of all, in the area of the quality of liabilities there has been observed stabilization and there is no potential threat from it to banks' profits. Second, clients still show interest in banking services, which is supported by a positive balance in the sub-indicator for the area. Third, it seems that the role of barriers associated with difficulties in acquiring new customers but also insufficient demand for banking services has started to decline, which is confirmed by decreased percentages of banks reporting such problems. Yet, according to the respondents from the sector, banks still face some major issues. One of the most significant is decreased ability to maintain spreads between credit and deposit. Second issue is associated with an increasing impact of legal barriers on functioning of the sector, which is accompanied by negative influence of the National Bank of Poland policy. All of these barriers are expected to maintain their strength in the following quarter.(original abstract)
Accessibility
The Library of Warsaw School of Economics
Cited by
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ISSN
2392-3733
0866-9503
Language
pol
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