Consumer Finance in Poland published by Euromonitor International in March, 2009. This report consists of Tables: 146 and the price starts from US $ 1900.
Introduction
Why buy this report
Get insight into trends in market performance
Pinpoint growth sectors and identify factors driving change
Identify market and brand leaders and understand the competitive
environment
Product coverage
Consumer lending; Financial cards and payments
Executive summary
Poles More Accustomed to Cashless Transactions
In Poland financial cards are predominantly utilised to withdraw cash from
ATMs. However, cashless transactions are developing at a rapid pace in both
value and volume terms. The use of financial cards is becoming an essential
aspect of modern life in Poland. Cards are increasingly being used to make
payments, even for small items. The growing popularity of credit and pre-paid
cards and greater usage of debit cards for everyday payments will drive the
further development of cashless transactions.
Increasing Debit Card Usage
The growing popularity of debit cards has contributed to financial cards
taking share from cash transactions. Operators who organise lotteries for
clients who actively use their cards are playing a significant part in the
popularisation of debit payments. Debit cards are also increasingly being used
to make payments on the internet.
Visa and PKO Bank Polski the Leaders in the Polish Market
Visa International Service Association maintained its leading position with
regard to the number of financial cards and transactions. Visa cards were
issued by over 40 banks in Poland at the beginning of 2008. PKO Bank Polski
remained the biggest card issuer. Even the largest merger in Polish banking
history of Bank Pekao SA and Bank BPH SA, the result of which was the
establishment of the biggest bank in terms of assets, did not stop PKO Bank
Polski from retaining its leading position.
Card Infrastructure Improving
In Poland the number of ATMs and POS terminals is much lower than in Western
European countries. In particular, the shortage of machines is noticeable in
small and medium-sized localities. The financial card infrastructure in
tourist areas, which are visited mainly during the holiday season, is also
insufficient. The growing number of POS terminals is due to growing demand
from consumers and retailers and intensifying activity from acquirers which
are increasingly reducing lease costs.
CONSUMER FINANCE IN POLAND : MARKET INSIGHT
EXECUTIVE SUMMARY
Poles More Accustomed to Cashless Transactions
Increasing Debit Card Usage
Visa and PKO Bank Polski the Leaders in the Polish Market
Card Infrastructure Improving
KEY TRENDS AND DEVELOPMENTS
Poles Are Becoming More Accustomed to Plastic Money
Cash Still Remains the Most Important Method of Payment
The Launch of M-commerce and Contactless Cards
Implementation of Smart Cards Accelerates Considerably
Low Merchant Acceptance Continually Increasing
Low Banked Population Rate in Poland
MARKET DATA
Table 1 Consumer Payments: Value 2003-2008
Table 2 Financial Cards: Number of Cards in Circulation 2003-2008
Table 3 Financial Cards Transactions: Value 2003-2008
Table 4 Financial Cards: Number of Transactions 2003-2008
Table 5 Financial Cards: Number of Accounts 2003-2008
Table 6 Financial Cards: Number of Cards by Issuer 2003-2007
Table 7 Financial Cards: Number of Cards by Operator 2003-2007
Table 8 Financial Cards: Card Payment Transaction Value by Operator
2003-2007
Table 9 Financial Cards: Card Payment Transactions by Acquirer 2003-2007
Table 10 Consumer Payments Forecast: Value 2008-2013
Table 11 Financial Cards Forecast: Number of Cards in Circulation
2008-2013
Table 12 Financial Cards Forecast: Value 2008-2013
Table 13 Financial Cards Forecast: Number of Transactions 2008-2013
Table 14 Financial Cards Forecast: Number of Accounts 2008-2013
MARKET INDICATORS
Table 15 Number of POS Terminals 2004-2008
Table 16 Number of ATMs 2004-2008
Table 17 Disposable Income 2003-2008
Table 18 Value Lost to Fraud 2003-2008
Table 19 Acquirer Fraud 2003-2008
Table 20 Card Expenditure by Location 2008
Table 21 Card Expenditure by Sector 2008
Table 22 Financial Cards in Circulation by Type: % Number of Cards
2004-2008
Table 23 Domestic versus Foreign Spend 2008
DEFINITIONS
Summary 1 Research Sources
CONSUMER LENDING IN POLAND
EXECUTIVE SUMMARY
Domestic demand is the main driver of credit growth
Retail and commercial banks compete for customers
Non-performing loans drop over the review period
Financial advisors play an important role in consumer credit
Higher individual consumption is the main driver of credit growth
KEY TRENDS AND DEVELOPMENTS
Consumer lending boom remains strong in Poland
The non-performing loan ratio shows a downward trend
Recovery in lending for automobile purchases
More young adults seek consumer credit
The EU Consumer Credit Directive favours consumers
Outstanding mortgages/housing credit rises in Poland
MARKET DATA
Table 24 Consumer Lending By Sector: Outstanding Balance: Value 2003-2008
Table 25 Consumer Lending By Sector: Outstanding Balance: % Value Growth
2003-2008
Table 26 Consumer Lending By Sector: Gross Lending: Value 2003-2008
Table 27 Consumer Lending By Sector: Gross Lending: % Value Growth
2003-2008
Table 28 Consumer Lending: Non-performing vs Other Loans 2003-2008
Table 29 Mortgages/Housing: Non-performing vs Other Loans 2003-2008
Table 30 Consumer Credit: Non-performing vs Other Loans 2003-2008
Table 31 Forecast Consumer Lending By Sector: Outstanding Balance: Value
2008-2013
Table 32 Forecast Consumer Lending By Sector: Outstanding Balance: %
Value Growth 2008-2013
Table 33 Forecast Consumer Lending By Sector: Gross Lending: Value
2008-2013
Table 34 Forecast Consumer Lending By Sector: Gross Lending: % Value
Growth 2008-2013
DEFINITIONS
Summary 2 Research Sources
LOCAL COMPANY PROFILES - POLAND
BANK ZACHODNI WBK SA - FINANCIAL CARDS AND PAYMENTS - POLAND
STRATEGIC DIRECTION
KEY FACTS
Summary 3 Bank Zachodni WBK SA: Key Facts
Summary 4 Bank Zachodni WBK SA: Operational Indicators
(Financial Figures for the Bank Zachodni WBK Group) 2005-2007
