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Table of Contents:
1. Macroeconomic overview
Slide 1: Executive summary
Slide 2: Poland - General overview
Slide 3: Key macroeconomic indicators, 2000-2007
Slide 4: Foreign trade statistics, C/A balance, FDIs, 2000-2007
Slide 5: Yield curves, 2001-2007
Slide 6: Warsaw Stock Exchange - Turnover, Market cap and indexes, 2000-2007
Slide 7: Unemployment and wages, 2000-2007
Slide 8: Disposable income in households and income distribution, 2000-2007
Slide 9: Consumer confidence Index evolution, 2005-2008
2. Banking market
2.1. Banking market - General trends
Slide 10: CEE banking markets: Size vs. growth matrix, 2005-2007
Slide 11: CEE banking penetration benchmarks - International comparison, 2007
Slide 12: Structure of the Polish Banking System, 2007
Slide 13: Polish Banking System ERA analysis, 1989-2007
Slide 14: Evolution of banking assets by ownership, 1993-2007
Slide 15: Top foreign investors on the Polish banking market, 2007
Slide 16: Banking assets evolution (LCU, EUR), 2000-2007
Slide 17: Banking assets evolution (in EUR) by group of banks, 2000-2007
Slide 18: Top 12 commercial banks, market shares, ownership, 2007
Slide 19: Concentration of the banking market (Assets, Branches, ATMs, HH Index), 2006/2007
Slide 20: Deposits by customer segment evolution, 2003-2007
Slide 21: Loans by customer segment evolution, 2003-2007
Slide 22: Non-performing loans evolution and ratios by type of customer, 2000-2007Q3
2.2. Banking market - Regulatory overview
Slide 23: Regulatory overview: Regulatory bodies on the Polish banking market
Slide 24: BFG - Deposit Insurance Fund
Slide 25: BIK - Credit information Office
Slide 26: Central Bank mandatory reserve policy, 2000-2008
Slide 27: Regulatory initiatives: Anti-usury law, FX-denominated mortgage
Slide 28: Basel II/CRD implementation status
2.3. Banking market - Banking Infrastructure
Slide 29: Bank outlets by group of banks, 2004-2007Q3
Slide 30: Bank outlets development plans of major banks, 2007-2008/2009Q1
Slide 31: Employment in commercial banks sector, bank assets per employee evolution, 2000-2007
Slide 32: Direct employee costs evolution, 2005-2007
Slide 33: ATM number and transaction value evolution, ATM players
Slide 34: POS number and transaction value evolution, POS players
3. Retail banking
Slide 35: Account penetration in Poland vs. other countries, 2004/2007
Slide 36: Retail banking clients by segment - pyramid (mass market, affluent, personal and private banking), 2007
Slide 37: New retail clients at top banks, 2004-2007, New clients up to 2020
Slide 38: Households deposits by sub-segments and cash evolution, 2003-2007
Slide 39: Households loans by sub-segments evolution, 2003-2007
Slide 40: TOP banks serving households sector, market shares, 2007
Slide 41: Deposits of private individuals, structure by currency, 2003-2007
Slide 42: Deposits of private individuals, structure by maturity, 2003-2007
Slide 43: Investment funds assets evolution, domestic and foreign funds, 2003-2007
Slide 44: Investment funds market shares - Top 10 players, 2007
Slide 45: Personal Financial Assets (PFA) structure and evolution, 2005-2007
Slide 46: Loans to private individuals by type evolution, 2003-2007
Slide 47: Mortgage to private individuals by currency evolution, 2003-2007
Slide 48: Installment loans market, 2003-2007
Slide 49: Car loans market, 2005-2007
Slide 50: Financial intermediaries and their segmentation, 2007
Slide 51: Major intermediaries by value of loans sold, 2007
Slide 52: Total number and value of loans and funds sold by major intermediaries, 2007H1
Slide 53: Specialized/exclusive loan distribution networks, 2007
Slide 54: Perspectives for financial intermediaries
Slide 55: Use of direct channels by cash loan providers, 2007
Slide 56: Internet and PC penetration in Polish households and in corporate sector, shopping online, 2007
Slide 57: Current accounts at major banks, internet access penetration, 2007
Slide 1: Executive summary
1. Macroeconomic overview
Slide 2: Poland - General overview
Slide 3: Key macroeconomic indicators, 2002-2008
Slide 4: Foreign trade statistics, C/A balance, FDIs, 2002-2008
Slide 5: Warsaw Stock Exchange - Turnover, Market cap and indexes, 2004-2008
Slide 6: Unemployment and wages, 2002-2008
Slide 7: Disposable income in households and income distribution, 2002-2008
Slide 8: Consumer confidence Index evolution, 2006-3/2009
3. Retail banking
Slide 36: Current account penetration in Poland vs. EU, EUROBAROMETER 2005/2007
Slide 37: Retail banking clients by segment - pyramid (mass market, affluent, personal and private banking), 2008
Slide 38: New retail clients at top banks, 2005-2008, Young population evolution up to 2020
Slide 39: Households deposits by sub-segments and cash evolution, 2004-2008
Slide 40: Households loans by sub-segments evolution, 2004-2008
Slide 41: TOP banks serving households sector, market shares, 2008
Slide 42: Deposits of private individuals, structure by currency, 2004-2008
Slide 43: Deposits of private individuals, structure by maturity, 2004-2008
Slide 44: Investment funds assets evolution, domestic and foreign funds, 2004-2008
Slide 45: Investment funds market shares - Top 10 players, 2008
Slide 46: Personal Financial Assets (PFA) structure and evolution, 2006-2008
Slide 47: Loans to private individuals by type evolution, 2004-2008
Slide 48: Mortgage to private individuals by currency evolution, 2004-2008
Slide 49: Installment loans market, 2004-2008
Slide 50: Car loans market, 2005-2008
Slide 51: Financial intermediaries and their segmentation, 2008
Slide 52: Major intermediaries by value of loans sold, 2008
Slide 53: Total number and value of loans and funds sold by major intermediaries, 2007
Slide 54: Specialized/exclusive loan distribution networks, 2007
Slide 55: Perspectives for financial intermediaries
Slide 56: Use of direct channels by cash loan providers, 2007
Slide 57: Internet and PC penetration in Polish households and in corporate sector, shopping online, 2008
Slide 58: Current accounts at major banks, internet access penetration, 2008
Slide 59: Online Banking - mBank case
Slide 60: Online Banking - new entrants: ING and Citibank and perspectives for standalone internet projects
Slide 61: Bill payments market structure, 2008
3.1. Payment cards
Slide 62: Cards issued by card type, 2004-2008
Slide 63: Card transactions by channel, share of cash transactions, 2004-2008
Slide 64: Credit card transactions , values, volumes, per card evolution, 2004-2008
Slide 65: Top players in credit cards business, co-branding partners, 2008
4. Corporate banking
Slide 66: Corporate subjects, number and revenues, 2007
Slide 67: Corporate deposits and loans evolution, 2004-2008
Slide 68: Top players on the corporate banking market, 2008
Slide 69: Brokerage business, top players, 2003-2007
Slide 70: Leasing market, structure by industry, top players, 2004-2008
Slide 71: Factoring market, 2004-2008
Slide 72: Non-treasury debt securities market, 2004-2008
5. Banks profitability
Slide 73: Average retail and corporate banking rates offered and implied margins evolution, 2006-2/2009
Slide 74: Commercial banks profitability tree – market averages evolution, 2005-2008
Slide 75: Commercial banks revenue costs and profits composition, 2008
Slide 76: Top 5 commercial banks profitability tree – peers comparison, 2008
Slide 77: Segment reporting (1/2): volumes, revenues and profit by segment (retail, corporate, other), 2008
Slide 78: Segment reporting (2/2): volumes, revenues and profit by segment (retail, corporate, other), 2008
6. Banks valuation and M&A activity
Slide 79: Strategic control map for major listed banks in Poland, 2008
Slide 80: Market multiples for major listed banks in Poland, 3/2009
Slide 81: Efficiency of top banks in Poland - Cost to income, Assets/Personnel/Branches benchmarks, 2008
Slide 82: Share price performance on the stock market for key listed banks in Poland, 2008-2009Q1
Slide 83: Recent M&A transactions on the Polish banking market, P/BV multiples
Slide 84: Success in greenfield entry – Polbank EFG case
7. Top banks profiles
Slide 85-86: Bank profiles: PKO Bank Polski
Slide 87-88: Bank profiles: Bank Pekao
Slide 89-90: Bank profiles: BRE Bank
Slide 90-92 Bank profiles: ING Bank Śląski
Slide 93-94: Bank profiles: BZ WBK
8. Mid-term forecasts
Slide 95: Banking assets forecast, 2009-2011
Slide 96: Key retail volumes forecast, 2009-2011
Slide 97: Key corporate volumes forecast, 2009-2011
Slide 98: Commercial banks - P&L forecast, 2009
9. Note on methodology
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