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					Dynamika cen transakcyjnych mieszkań na rynku pierwotnym w największych miastach r/r
Growth in residential property transaction prices on the primary market in the biggest cities (y/y)

             Wrocław        Łódź        Kraków    Warszawa           Gdańsk       Poznań
  12/2007       46.8%         39.4%         12.6%      38.6%            19.8%        41.1%
   3/2008      -27.0%         21.2%         11.2%      16.9%            17.9%        17.4%
   6/2008       -0.3%         -6.7%          2.2%      14.5%             8.4%        -0.6%
   9/2008        1.0%          0.0%         -3.1%       5.7%            -5.3%        -2.3%
  12/2008       -2.1%          9.2%         -5.8%      -4.9%            -1.6%        -3.1%
   3/2009       -1.8%         -7.0%         -7.8%     -11.6%           -18.0%        -8.0%
   6/2009       -4.3%          1.2%        -10.7%     -13.4%           -23.7%        -9.1%
   9/2009      -13.4%         -4.9%        -12.1%      -8.9%           -17.6%       -10.5%
  12/2009        0.9%         -4.8%         -7.1%      -5.8%           -11.6%       -10.6%
   3/2010       11.2%          5.8%         -5.3%       8.4%            10.0%        -8.5%
   6/2010       17.7%         -5.0%         -3.5%       6.9%            -3.9%         4.2%
   9/2010        9.5%         -0.4%         -0.5%       4.7%            -9.2%         4.1%
  12/2010        3.3%         -7.0%         -2.8%      -3.1%            -4.7%       -10.3%
   3/2011        5.0%          0.9%         -1.4%      -1.7%            -2.5%        -2.6%
   6/2011       -0.5%          5.7%          2.3%      -5.6%            -0.3%        16.5%
   9/2011       10.0%         -0.6%          1.8%      -6.5%             3.9%        21.1%
  12/2011       -0.2%         -2.3%         -1.1%      -2.9%             5.6%        34.0%
   3/2012       -6.1%         -9.0%         -3.6%     -13.3%            -1.7%         8.5%
Dynamika cen transakcyjnych mieszkań na rynku wtórnym w największych miastach r/r
Growth in residential property transaction prices on the secondary market in the biggest cities (y/y)

            Wrocław       Łódź   Kraków Warszawa              Gdańsk   Poznań
  12/2007      21.0%       87.0%     5.8%   26.5%                53.9%   52.4%
   3/2008       0.4%       23.8%     8.1%   15.4%                26.9%   40.6%
   6/2008      -5.2%        5.7%    -9.3%   -1.7%                 4.8%    5.8%
   9/2008     -11.0%       -5.0%  -12.5%    -6.7%                -1.8%    5.8%
  12/2008      -1.6%       -0.5%    -2.8%    0.1%                -3.5%   -8.7%
   3/2009      -0.1%       -6.9%    -9.8%   -5.8%                 1.5%  -17.8%
   6/2009      -4.7%       -2.3%    -8.5%   -1.6%                -7.2%   -4.2%
   9/2009      -2.9%       -2.7%    -5.1%   -6.8%                -6.4%  -15.0%
  12/2009      -1.9%       -9.6%    -5.7%   -6.1%                -6.5%   -4.6%
   3/2010       2.1%        1.5%     1.2%    2.5%                -1.8%    3.3%
   6/2010       8.7%       -0.6%     0.8%    6.3%                 2.6%   -0.7%
   9/2010       1.1%        5.4%     5.4%    6.8%                 0.2%    5.3%
  12/2010       5.2%        7.9%     2.1%   -5.6%                -3.9%    1.2%
   3/2011       0.2%       -4.6%     3.4%   -8.2%               -11.1%    2.3%
   6/2011      -1.6%       -0.1%     5.9%  -11.3%                -2.2%   -4.6%
   9/2011      -1.2%       -2.0%     1.2%   -6.7%                -0.6%   -2.1%
  12/2011      -5.3%        0.4%    -1.0%   -1.7%                -2.1%    0.2%
   3/2012      -5.9%       -4.2%     1.5%   -4.0%                -1.6%   -2.1%
Symulacja dostępności kredytowej mieszkań na wybranych rynkach mieszkaniowych
Simulation of availability of flats in selected residential property markets

           Wrocław Łódź      Kraków Warszawa Gdańsk   Gdynia   Poznań
 12/2002        26.4    16.9     19.2     27.4   21.0     21.9      13.3
 12/2003        32.2    19.8     21.6     32.2   27.4     22.1      29.7
 12/2004        33.9    22.1     21.7     28.5   28.5     24.2      20.8
 12/2005        32.0    26.2     21.5     30.2   31.6     28.6      23.8
 12/2006        21.5    19.7     16.1     21.7   23.1     23.4      25.2
 12/2007        21.1    17.1     16.7     22.3   21.4     18.0      14.0
 12/2008        19.9    19.8     17.6     17.8   21.2     19.9      16.0
 12-2009        24.3    26.5     20.3     24.5   27.0     27.7      21.2
 12-2010        28.2    29.8     24.7     25.8   27.3     27.7      25.3
 12-2011        27.6    31.4     24.8     25.9   32.6     31.2      23.5
  3-2012        26.8    31.8     25.7     26.7   30.0     29.5      24.4
Kwartalny wynik finansowy sektora bankowego
mld zł
Quarterly net earnings of the banking sector
zloty billion

                                Wynik finansowy
            Zyski      Straty
                                     netto
            Profits  Losses      Net earnings
   3/2008       4.08    -0.03                4.05
   6/2008       4.66    -0.04                4.63
   9/2008       4.01    -0.05                3.96
  12/2008       1.92    -0.82                1.10
   3/2009       2.56    -0.46                2.10
   6/2009       3.13    -0.68                2.45
   9/2009       2.81    -0.41                2.40
  12/2009       2.33    -0.89                1.44
   3/2010       2.93    -0.44                2.49
   6/2010       3.49    -0.48                3.01
   9/2010       3.32    -0.26                3.06
  12/2010       3.24    -0.32                2.92
   3/2011       3.93    -0.14                3.79
   6/2011       4.32    -0.31                4.01
   9/2011       4.26    -0.26                4.00
  12/2011       3.91    -0.13                3.79
   3/2012       4.44    -0.12                4.33
Zwrot z aktywów
Return on assets

                                                 Odstęp
            Pierwszy kwartyl   Mediana                             Średnia
                                            międzykwartylowy
             First quartile    Median      Interquartile Range      Mean
   3/2009             -0.16%       0.60%                   1.43%     1.21%
   6/2009             -0.82%       0.59%                   2.19%     0.97%
   9/2009             -0.84%       0.49%                   2.12%     0.78%
  12/2009              0.11%       0.49%                   1.11%     0.79%
   3/2010              0.06%       0.57%                   1.32%     0.81%
   6/2010             -0.24%       0.62%                   1.94%     0.86%
   9/2010             -0.19%       0.52%                   1.82%     0.91%
  12/2010             -0.19%       0.64%                   1.85%     1.03%
   3/2011             -0.16%       0.59%                   1.86%     1.12%
   6/2011              0.02%       0.57%                   1.53%     1.19%
   9/2011              0.08%       0.68%                   1.24%     1.23%
  12/2011              0.08%       0.72%                   1.34%     1.27%
   3/2012              0.14%       0.67%                   1.23%     1.28%
Wskaźnik ROE krajowego sektora bankowego i dekompozycja zmian
ROE of the domestic banking sector and decomposition of changes

                                                                Wynik
                       Udział zysku    Udział zysku         działalności      Aktywa ważone
             ROE       netto w zysku brutto w wyniku        bankowej do        ryzykiem do
                           brutto      działalności           aktywów            aktywów
                                                             ważonych
                                                              ryzykiem
                                          Share of pre-tax Income from
                        Share of net
                                            earnings in    banking activity    Risk weighted
             ROE       earnings in pre-
                                           income from to risk weighted       assets to assets
                        tax earnings
                                          banking activity     assets
   3/2009      16.6%            -0.3%              -14.2%            -5.8%                 1.0%
   6/2009      12.8%            -0.8%              -16.3%            -3.8%                -0.3%
   9/2009      10.1%             0.2%              -14.5%            -5.0%                 0.6%
  12/2009      10.6%             1.3%                5.7%             1.2%                -1.0%
   3/2010     10.51%             0.3%                2.9%             1.7%                -1.0%
   6/2010     10.93%             0.2%                5.8%             2.0%                -1.5%
   9/2010     11.24%            -1.0%                4.2%             2.7%                -2.0%
  12/2010     12.42%            -0.9%               12.6%             1.5%                -1.7%
   3/2011     13.37%            -0.4%                8.2%             0.6%                -0.8%
   6/2011     14.08%            -0.2%                5.8%            -0.5%                -0.2%
   9/2011     14.81%             0.1%                4.3%             0.2%                -0.3%
  12/2011      15.1%             0.0%                2.1%            -1.5%                 0.1%
   3/2012      15.0%            -0.2%                1.0%            -1.3%                 0.1%
  Aktywa do
  funduszy
podstawowych



Assets to core
   capital


           0.8%
          -1.9%
          -2.2%
          -2.0%
          -3.2%
          -2.6%
          -1.0%
          -1.0%
           0.0%
           0.4%
           0.8%
           1.4%
          -0.5%
Marża odsetkowa netto
% aktywów
Net interest margin
as % of assets

            Przychody odsetkowe
                                     Skorygowana marża        Odpisy netto z tytułu utraty
              od instrumentów
                                      odsetkowa netto            wartości należności
                  dłużnych
             Interest income on      Adjusted net interest    Net charges to provisions
                  securities               margin                 for impaired loans
   3/2008                    0.86%                    2.24%                        0.24%
   6/2008                    0.88%                    2.24%                        0.28%
   9/2008                    0.92%                    2.14%                        0.35%
  12/2008                    0.96%                    1.83%                        0.56%
   3/2009                    0.99%                    1.45%                        0.71%
   6/2009                    0.98%                    1.06%                        0.90%
   9/2009                    0.97%                    0.82%                        1.01%
  12/2009                    0.94%                    0.62%                        1.13%
   3/2010                    0.68%                    0.79%                        1.11%
   6/2010                    0.70%                    0.90%                        1.11%
   9/2010                    0.70%                    0.93%                        1.11%
  12/2010                    0.72%                    1.11%                        0.94%
   3/2011                    0.72%                    1.23%                        0.84%
   6/2011                    0.74%                    1.34%                        0.73%
   9/2011                    0.75%                    1.43%                        0.65%
  12/2011                    0.75%                    1.49%                        0.62%
   3/2012                    0.74%                    1.51%                        0.61%
Źródła i rozdysponowanie wyniku działalności bankowej
mld zł
Sources and allocation of net income from banking activity
zloty billion

                                                Pozostałe
            Wynik z                             składniki                          Odpisy -
                         Wynik z tytułu                           Koszty
             tytułu                              wyniku                             kredyty
                         opłat i prowizji                       operacyjne
            odsetek                           działalności                       mieszkaniowe
                                                bankowej
                                                  Other
               Net        Net fee and       components of                        Net charges to
             interest     commission           net income     Operating costs    provisions for
             income         income           from banking                        housing loans
                                                 activity
   3/2009         6.29              2.89                 2.78            -6.79             -0.12
   6/2009         5.97              3.11                 3.58            -6.80             -0.18
   9/2009         6.95              3.19                 1.85            -6.56             -0.10
  12/2009         7.18              3.29                 2.56            -7.12             -0.17
   3/2010         7.22              3.36                 2.04            -6.66             -0.17
   6/2010         7.57              3.44                 2.46            -7.03             -0.29
   9/2010         7.93              3.46                 1.95            -7.03             -0.17
  12/2010         8.16              3.50                 1.98            -7.23             -0.23
   3/2011         8.16              3.44                 2.11            -7.00             -0.26
   6/2011         8.64              3.64                 2.16            -7.39             -0.29
   9/2011         9.07              3.58                 2.14            -7.41             -0.37
  12/2011         9.29              3.88                 1.78            -7.88             -0.45
   3/2012         8.98              3.50                 2.19            -7.44             -0.32
                                               Wynik      Pozostałe zyski i
Odpisy - kredyty    Odpisy - kredyty dla
                                            finansowy       straty oraz
 konsumpcyjne        przedsiębiorstw
                                               netto         podatek


 Net charges to       Net charges to
                                                            Other gains,
 provisions for        provisions for      Net earnings
                                                           losses and tax
consumer loans        corporate loans

            -1.62                  -0.48           2.13                -0.81
            -1.56                  -0.75           2.38                -0.99
            -1.76                  -0.47           2.40                -0.71
            -2.29                  -0.98           1.49                -0.99
            -1.94                  -0.20           2.49                -1.16
            -2.11                  -0.39           3.01                -0.64
            -1.66                  -0.58           3.06                -0.86
            -1.51                  -0.34           2.91                -1.41
            -1.22                  -0.04           3.79                -1.41
            -0.98                  -0.30           4.01                -1.47
            -1.08                  -0.18           4.00                -1.75
            -0.67                  -0.52           3.80                -1.63
            -0.70                  -0.51           4.33                -1.37
Szacunkowa zyskowność kredytów konsumpcyjnych i kredytów mieszkaniowych
Estimated profitability of consumer loans and housing loans

Kredyty konsumpcyjne (lewy panel)
% kredytów konsumpcyjnych
Consumer loans (left-hand panel)
as % of consumer loans

                                                                                     Skorygowana
                Efektywne             Efektywny koszt
                                                             Obciążenie kredytów         marża
              oprocentowanie           finansowania
                                                                  odpisami           odsetkowa na
                 kredytów                 kredytów
                                                                                       kredytach
                                                                                       Adjusted net
            Effective interest on    Effective interest on   Burden of charges to
                                                                                     interest margin
                    loans                   funding          provisions on loans
                                                                                         on loans
  12/2008                  14.95%                  -3.94%                   -3.23%            7.78%
   3/2009                  14.91%                  -4.00%                   -4.06%            6.84%
   6/2009                  14.65%                  -3.85%                   -4.70%            6.09%
   9/2009                  14.28%                  -3.57%                   -5.32%            5.39%
  12/2009                  14.24%                  -3.23%                   -6.16%            4.84%
   3/2010                  14.36%                  -2.98%                   -6.35%            5.04%
   6/2010                  14.48%                  -2.87%                   -6.72%            4.89%
   9/2010                  14.73%                  -2.81%                   -6.58%            5.34%
  12/2010                  14.48%                  -2.74%                   -5.97%            5.77%
   3/2011                  14.43%                  -2.69%                   -5.39%            6.35%
   6/2011                  14.34%                  -2.69%                   -4.49%            7.16%
   9/2011                  14.14%                  -2.74%                   -4.01%            7.39%
  12/2011                  14.30%                  -2.84%                   -3.29%            8.16%
   3/2012                  14.36%                  -2.96%                   -2.90%            8.49%


Kredyty mieszkaniowe (prawy panel)
% kredytów mieszkaniowych
Housing loans (right-hand panel)
as % of housing loans

                                                                                     Skorygowana
                Efektywne             Efektywny koszt
                                                             Obciążenie kredytów         marża
              oprocentowanie           finansowania
                                                                  odpisami           odsetkowa na
                 kredytów                 kredytów
                                                                                       kredytach
                                                                                       Adjusted net
            Effective interest on    Effective interest on   Burden of charges to
                                                                                     interest margin
                    loans                   funding          provisions on loans
                                                                                         on loans
  12/2008                   5.63%                  -3.94%                   -0.17%            2.61%
   3/2009                   5.24%                  -4.00%                   -0.21%            2.14%
   6/2009                   4.70%                  -3.85%                   -0.29%            1.71%
   9/2009                   4.13%                  -3.57%                   -0.29%            1.41%
  12/2009                   3.61%                  -3.23%                   -0.27%            1.16%
   3/2010                   3.35%                  -2.98%                   -0.29%            1.09%
   6/2010                   3.36%                  -2.87%                   -0.33%            1.12%
 9/2010   3.41%   -2.81%   -0.35%   1.16%
12/2010   3.40%   -2.74%   -0.36%   1.17%
 3/2011   3.43%   -2.69%   -0.38%   1.21%
 6/2011   3.48%   -2.69%   -0.36%   1.26%
 9/2011   3.52%   -2.74%   -0.42%   1.21%
12/2011   3.56%   -2.84%   -0.47%   1.14%
 3/2012   3.69%   -2.96%   -0.48%   1.18%
Efekt zamknięcia
pozycji walutowej


Result of closing
 open currency
   position
            1.09%
            1.12%
            1.16%
            1.14%
            1.05%
            1.00%
            0.95%
0.92%
0.88%
0.86%
0.83%
0.85%
0.89%
0.94%
Udział banków o danej szacunkowej zyskowności kredytów w udzielonych przez system bankowy kredytach konsumpcyjnych i
The share of banks with a specified estimated profitability of loans in consumer loans and housing loans extended by the banki

Kredyty konsumpcyjne (lewy panel)
Udział banków o danej zyskowności w kredytach konsumpcyjnych systemu bankowego
Consumer loans (left-hand panel)
Share of banks with a certain profitability of loans in consumer loans of the banking system

                       <=0                   (0%-4%>                   (4%-8%>                 (8%-12%>
  12/2008                      3.62%               17.10%                        28.62%             29.74%
   3/2009                      5.63%               31.82%                        31.03%             18.20%
   6/2009                      9.69%               32.07%                        25.84%             24.46%
   9/2009                     17.99%               20.02%                        30.94%             27.83%
  12/2009                     18.79%               18.80%                        25.58%             26.38%
   3/2010                     28.96%                5.44%                        36.88%             18.61%
   6/2010                     25.90%                8.13%                        39.71%             16.42%
   9/2010                     25.39%                4.15%                        38.38%             22.50%
  12/2010                     24.82%                2.12%                        46.21%             23.93%
   3/2011                     14.99%               10.46%                        36.41%             36.87%
   6/2011                     13.43%               12.33%                        33.81%             32.52%
   9/2011                     13.37%               10.07%                        32.06%             38.56%
  12/2011                      9.96%               13.85%                        29.64%             38.82%
   3/2012                      4.52%               19.34%                        11.54%             49.54%


Kredyty mieszkaniowe (prawy panel)
Udział banków o danej zyskowności w kredytach mieszaniowych systemu bankowego
Housing loans (right-hand panel)
Share of banks with a certain profitability of loans in housing loans of the banking system

                       <=0                   (0%-1%>                   (1%-2%>                 (2%-3%>
  12/2008                      6.82%                9.06%                        21.19%             25.48%
   3/2009                     11.05%               17.27%                        20.25%             17.29%
   6/2009                     17.06%               34.14%                         8.48%             28.22%
   9/2009                     24.25%               26.45%                        10.95%             26.26%
  12/2009                     19.22%               32.34%                        25.18%             21.45%
   3/2010                     15.34%               31.88%                        39.27%             11.83%
   6/2010                     15.79%               40.54%                        30.76%             11.32%
   9/2010                     28.23%               27.27%                        28.55%             14.23%
  12/2010                     15.07%               40.14%                        28.75%             14.41%
   3/2011                     20.60%               18.28%                        44.30%             15.40%
   6/2011                     19.51%               17.06%                        45.77%             16.24%
   9/2011                     24.30%               20.58%                        37.69%             15.22%
  12/2011                     24.04%               18.81%                        40.26%             15.36%
   3/2012                     22.41%               24.29%                        17.53%             34.23%
 owy kredytach konsumpcyjnych i kredytach mieszkaniowych
using loans extended by the banking system




                   >12%
                       20.86%
                       13.27%
                        7.90%
                        3.19%
                       10.45%
                       10.10%
                        9.84%
                        9.57%
                        2.91%
                        1.25%
                        7.88%
                        5.91%
                        7.69%
                       15.03%




                    >3%
                          37.41%
                          34.12%
                          12.08%
                          12.07%
                           1.80%
                           1.68%
                           1.59%
                           1.71%
                           1.64%
                           1.42%
                           1.42%
                           2.20%
                           1.53%
                           1.53%
Szacunkowa zyskowność kredytów dla dużych przedsiębiorstw i kredytów dla małych i średnich przedsiębiorstw
Estimated profitability of loans to large enterprises and loans to small and medium-sized enterprises

Kredyty dla dużych przedsiębiorstw (lewy panel)
% kredytów dla dużych przedsiębiorstw
Loans to large enterprises (left-hand panel)
as % of loans to large enterprises

                                                                                      Skorygowana
                 Efektywne             Efektywny koszt
                                                              Obciążenie kredytów         marża
               oprocentowanie           finansowania
                                                                   odpisami           odsetkowa na
                  kredytów                 kredytów
                                                                                        kredytach
                                                                                        Adjusted net
             Effective interest on    Effective interest on   Burden of charges to
                                                                                      interest margin
                     loans                   funding          provisions on loans
                                                                                          on loans
  12/2008                     6.71%                 -3.94%                   -0.40%            2.37%
   3/2009                     6.15%                 -4.00%                   -0.94%            1.20%
   6/2009                     5.36%                 -3.85%                   -1.39%            0.12%
   9/2009                     5.03%                 -3.57%                   -1.71%           -0.26%
  12/2009                     4.86%                 -3.23%                   -1.83%           -0.20%
   3/2010                     4.67%                 -2.98%                   -1.50%            0.19%
   6/2010                     4.80%                 -2.87%                   -1.20%            0.73%
   9/2010                     4.54%                 -2.81%                   -0.85%            0.89%
  12/2010                     4.59%                 -2.74%                   -0.64%            1.21%
   3/2011                     4.53%                 -2.69%                   -0.55%            1.30%
   6/2011                     4.56%                 -2.69%                   -0.39%            1.47%
   9/2011                     5.02%                 -2.69%                   -0.63%            1.69%
  12/2011                     5.18%                 -2.80%                   -0.57%            1.81%
   3/2012                     5.38%                 -2.95%                   -0.71%            1.72%


Kredyty dla małych i średnich przedsiębiorstw (prawy panel)
% kredytów dla MŚP
Loans to small and medium-sized enterprises (right-hand panel)
as % of loans to SME

                                                                                      Skorygowana
                 Efektywne             Efektywny koszt
                                                              Obciążenie kredytów         marża
               oprocentowanie           finansowania
                                                                   odpisami           odsetkowa na
                  kredytów                 kredytów
                                                                                        kredytach
                                                                                        Adjusted net
             Effective interest on    Effective interest on   Burden of charges to
                                                                                      interest margin
                     loans                   funding          provisions on loans
                                                                                          on loans
  12/2008                     7.53%                 -3.94%                   -0.33%            3.26%
   3/2009                     7.51%                 -4.00%                   -0.27%            3.24%
   6/2009                     7.09%                 -3.85%                   -0.27%            2.96%
   9/2009                     6.49%                 -3.57%                   -0.42%            2.51%
  12/2009                     5.56%                 -3.23%                   -0.68%            1.65%
   3/2010                     5.38%                 -2.98%                   -0.76%            1.65%
   6/2010                     5.47%                 -2.87%                   -0.75%            1.85%
 9/2010   5.83%   -2.81%   -1.13%   1.89%
12/2010   6.04%   -2.74%   -0.78%   2.52%
 3/2011   6.20%   -2.69%   -0.72%   2.79%
 6/2011   6.35%   -2.69%   -0.74%   2.92%
 9/2011   6.33%   -2.69%   -0.24%   3.40%
12/2011   6.45%   -2.80%   -0.40%   3.24%
 3/2012   6.61%   -2.95%   -0.62%   3.03%
ch przedsiębiorstw
Udział banków o danej szacunkowej zyskowności kredytów w udzielonych przez system bankowy kredytach dla dużych przedsi
The share of banks with a specified estimated profitability of loans in loans to large enterprises and loans to small and medium-

Kredyty dla dużych przedsiębiorstw (lewy panel)
Udział banków o danej zyskowności w kredytach systemu bankowego dla dużych przedsiębiorstw
Loans to large enterprises (left-hand panel)
Share of banks with a certain profitability of loans in loans of the banking system to large enterprises

                       <=0                    (0%-1%>                  (1%-2%>                 (2%-3%>
  12/2008                     10.59%                13.49%                        14.24%            13.17%
   3/2009                     26.66%                14.93%                         0.90%             7.82%
   6/2009                     37.55%                12.32%                        47.84%             1.82%
   9/2009                     45.10%                13.19%                        38.86%             2.35%
  12/2009                     52.98%                 3.25%                        40.85%             2.02%
   3/2010                     30.64%                12.06%                        51.78%             5.41%
   6/2010                     13.60%                28.48%                        13.57%            42.56%
   9/2010                     20.22%                17.72%                        14.14%            45.17%
  12/2010                     11.74%                 9.64%                        27.19%            45.08%
   3/2011                     12.64%                 0.37%                        25.01%            53.63%
   6/2011                      8.91%                12.28%                        16.68%            46.95%
   9/2011                      2.67%                11.12%                        20.72%            51.10%
  12/2011                      1.97%                 1.72%                        26.01%            57.43%
   3/2012                      3.65%                 1.76%                        27.59%            54.78%


Kredyty dla małych i średnich przedsiębiorstw (prawy panel)
Udział banków o danej zyskowności w kredytach systemu bankowego dla MSP
Loans to small and medium-sized enterprises (right-hand panel)
Share of banks with a certain profitability of loans in loans of the banking system to SME

                       <=0                    (0%-1%>                  (1%-2%>                 (2%-3%>
  12/2008                      7.37%                 1.39%                         8.40%            44.59%
   3/2009                      7.54%                 0.66%                        37.65%            21.53%
   6/2009                      7.26%                 6.44%                        36.83%            16.60%
   9/2009                     17.51%                13.93%                        24.61%            10.94%
  12/2009                     29.05%                16.06%                         9.70%            15.51%
   3/2010                     18.80%                16.04%                        19.04%            36.87%
   6/2010                     10.48%                13.25%                        26.55%            37.50%
   9/2010                     14.28%                 8.83%                        45.95%            16.90%
  12/2010                      2.65%                 0.72%                        57.90%            21.05%
   3/2011                      2.71%                 0.52%                        40.71%            40.37%
   6/2011                      2.58%                 0.68%                        31.80%            50.56%
   9/2011                      3.64%                 2.92%                        13.07%            39.90%
  12/2011                      2.97%                12.28%                        15.35%            16.36%
   3/2012                      3.09%                11.80%                        12.49%            24.12%
owy kredytach dla dużych przedsiębiorstw i kredytach dla małych i średnich przedsiębiorstw
s and loans to small and medium-sized enterprises extended by the banking system




                    >3%
                          48.50%
                          49.69%
                           0.47%
                           0.50%
                           0.91%
                           0.10%
                           1.79%
                           2.75%
                           6.35%
                           8.35%
                          15.19%
                          14.38%
                          12.86%
                          12.22%




                    >3%
                          38.19%
                          32.56%
                          32.82%
                          32.95%
                          29.68%
                           9.25%
                          12.21%
                          14.04%
                          17.68%
                          15.69%
                          14.38%
                          40.48%
                          53.04%
                          48.50%
Zmiany (m/m) wartości i tempo wzrostu (r/r) kredytów dla przedsiębiorstw (lewy panel), kredytów konsumpcyjnych (środkowy pa
mld zł / %
Changes (m/m) in the value and growth rate (y/y) of loans to corporates (left-hand panel), consumer loans (central panel) and h
zloty billion / %

                    Kredyty dla przedsiębiorstw                            Kredyty konsumpcyjne
                         Loans to enterprises                                  Consumer loans
                  Zmiana m/m           Tempo wzrostu r/r              Zmiana m/m         Tempo wzrostu r/r
              Change in value, m/m       Growth rate y/y          Change in value, m/m    Growth rate y/y
   1/2006                      2,606.6                4.3%                         154.5              21.1%
   2/2006                      1,914.9                4.9%                         -77.4              21.4%
   3/2006                     -1,004.5                4.2%                         888.8              21.0%
   4/2006                      1,927.1                5.6%                         965.0              20.4%
   5/2006                        688.9                5.3%                       1,715.2              21.4%
   6/2006                        -37.4                5.3%                         986.3              21.2%
   7/2006                      3,035.8                8.4%                       1,209.7              21.2%
   8/2006                      1,644.6                9.6%                       1,459.0              21.3%
   9/2006                      1,074.7                9.3%                       1,516.7              21.5%
  10/2006                      2,359.0               11.0%                       1,420.5              21.5%
  11/2006                      2,092.6               12.2%                       1,066.0              21.5%
  12/2006                      1,389.9               14.8%                       1,252.3              22.4%
   1/2007                        548.1               12.8%                         724.5              23.4%
   2/2007                      3,385.6               13.8%                         410.9              24.3%
   3/2007                      3,971.4               18.0%                       1,993.6              25.8%
   4/2007                      4,170.4               19.5%                       1,703.5              26.7%
   5/2007                      1,077.6               19.7%                       2,614.7              27.5%
   6/2007                      5,276.8               24.0%                       2,084.9              28.8%
   7/2007                      2,448.6               23.0%                       2,302.0              30.1%
   8/2007                      2,571.9               23.5%                       2,157.3              30.5%
   9/2007                      4,625.2               26.0%                       2,287.5              31.0%
  10/2007                      3,283.1               26.3%                       3,147.9              33.0%
  11/2007                      3,150.7               26.7%                       1,027.0              32.4%
  12/2007                       -212.4               25.2%                       2,309.3              33.4%
   1/2008                      4,824.0               28.3%                       1,228.5              33.8%
   2/2008                      3,688.4               27.9%                       1,316.1              34.9%
   3/2008                      4,447.5               27.5%                       2,283.7              34.4%
   4/2008                      3,813.6               26.6%                       2,889.0              35.2%
   5/2008                      4,713.2               28.9%                       2,704.2              34.1%
   6/2008                      4,249.3               27.3%                       2,697.2              34.0%
   7/2008                      3,445.4               27.6%                       2,938.0              33.9%
   8/2008                      4,637.9               28.5%                       2,708.0              33.7%
   9/2008                      2,590.8               26.5%                       2,824.4              33.4%
  10/2008                      3,131.0               25.9%                       2,206.8              31.2%
  11/2008                      3,771.0               25.8%                       1,409.0              31.2%
  12/2008                     -3,029.6               24.2%                       1,856.1              29.9%
   1/2009                      1,255.1               21.4%                         999.7              29.2%
   2/2009                        806.0               19.3%                         415.4              27.8%
   3/2009                        329.5               16.5%                       1,715.4              26.5%
   4/2009                       -688.0               13.8%                       2,153.4              24.9%
 5/2009   -1,114.6   10.4%    1,960.2   23.5%
 6/2009   -1,644.6    7.1%    1,496.5   21.7%
 7/2009     -493.0    5.0%    1,896.2   20.1%
 8/2009     -597.1    2.2%    1,444.7   18.4%
 9/2009      391.9    1.1%    1,431.9   16.6%
10/2009     -569.1   -0.7%      975.1   15.2%
11/2009     -488.0   -2.7%      521.5   14.3%
12/2009   -4,984.4   -3.6%      453.5   12.8%
 1/2010    1,970.8   -3.2%     -151.9   11.8%
 2/2010      300.7   -3.5%     -352.9   11.1%
 3/2010   -3,232.7   -5.1%    1,050.6   10.4%
 4/2010     -915.4   -5.2%      195.2    8.7%
 5/2010      696.3   -4.4%      618.4    7.5%
 6/2010      108.7   -3.6%     -164.2    6.2%
 7/2010      113.2   -3.4%      352.5    4.9%
 8/2010      725.5   -2.8%      529.4    4.1%
 9/2010      456.8   -2.7%       50.5    3.1%
10/2010    1,466.1   -1.8%     -107.1    2.2%
11/2010     -442.5   -1.8%      -73.7    1.8%
12/2010   -3,267.8   -1.0%     -624.5    1.0%
 1/2011    2,766.1   -0.6%   -1,002.1    0.4%
 2/2011    1,406.9    0.0%   -1,035.5   -0.1%
 3/2011    1,554.7    2.3%     -454.8   -1.2%
 4/2011    5,038.4    5.2%     -805.9   -2.0%
 5/2011    2,654.9    6.2%      575.1   -2.0%
 6/2011    2,760.1    7.5%     -870.3   -2.5%
 7/2011    2,860.6    8.8%     -165.4   -2.9%
 8/2011      365.3    8.6%    1,463.5   -2.2%
 9/2011    2,120.3    9.4%     -370.9   -2.5%
10/2011    2,888.3    9.9%     -219.3   -2.6%
11/2011    5,155.8   12.6%     -344.8   -2.8%
12/2011   -1,251.0   13.8%   -1,257.4   -3.3%
 1/2012    4,481.6   14.4%   -1,501.4   -3.6%
 2/2012      978.5   14.1%     -756.0   -3.4%
 3/2012    2,050.4   14.2%      -62.1   -3.2%
 4/2012      659.7   11.8%     -154.3   -2.7%
mpcyjnych (środkowy panel) i kredytów mieszkaniowych dla gospodarstw domowych (prawy panel)

ns (central panel) and housing loans to households (right-hand panel)



                       Kredyty mieszkaniowe
                   Housing loans to households
                 Zmiana m/m         Tempo wzrostu r/r
             Change in value, m/m     Growth rate y/y
                            1,259.4               46.7%
                              839.2               46.7%
                            2,361.3               50.3%
                            1,994.6               51.1%
                            2,431.8               52.9%
                            2,762.0               53.9%
                            2,753.5               54.6%
                            2,721.0               55.3%
                            2,748.2               56.2%
                            3,164.1               57.2%
                            2,902.3               58.3%
                            3,286.7               58.0%
                            2,910.5               59.9%
                            2,532.6               62.2%
                            3,479.1               61.5%
                            3,530.2               62.3%
                            3,979.7               62.6%
                            4,468.2               62.9%
                            4,640.5               63.7%
                            4,467.8               64.1%
                            3,658.4               63.1%
                            3,454.0               61.1%
                            4,429.2               61.2%
                            3,353.2               58.9%
                            3,025.4               57.1%
                            3,011.3               56.1%
                            4,716.9               55.6%
                            4,074.0               54.2%
                            3,823.8               51.9%
                            4,454.6               49.8%
                            4,733.0               47.8%
                            3,970.6               45.7%
                            4,171.4               44.9%
                            4,179.2               44.2%
                            2,829.1               40.9%
                            2,715.8               39.1%
                            1,557.9               36.6%
                            1,497.6               34.4%
                            1,748.0               30.5%
                            1,683.1               27.5%
1,615.4   24.9%
2,189.2   22.1%
2,353.7   19.4%
2,128.3   17.2%
2,583.3   15.4%
2,540.7   13.7%
2,178.2   13.0%
2,388.2   12.5%
1,644.4   12.5%
1,595.3   12.5%
2,294.5   12.7%
2,240.8   13.0%
2,470.8   13.4%
3,068.9   13.7%
3,037.9   13.8%
2,798.5   13.9%
2,910.1   13.8%
2,771.1   13.7%
2,506.5   13.7%
3,164.1   13.8%
1,646.0   13.6%
1,464.8   13.4%
2,570.0   13.3%
2,448.7   13.2%
2,512.0   13.0%
2,755.9   12.6%
2,584.1   12.3%
1,331.8   11.5%
2,826.9   11.2%
2,221.9   10.8%
1,846.3   10.3%
1,874.4    9.6%
1,216.8    9.4%
1,050.2    9.1%
1,441.2    8.6%
1,239.6    8.0%
Struktura rodzajowa stanu kredytów dla sektora niefinansowego
Structure of loan portfolio to the non-financial sector

                                    Kredyty           Kredyty
              Kredyty dla      mieszkaniowe dla konsumpcyjne dla
                                                                     Pozostałe
            przedsiebiorstw      gospodarstw       gospodarstw
                                  domowych          domowych
               Loans to        Housing loans to Consumer loans
                                                                      Other
              enterprises         households      to households
   1/2003              57.8%                9.9%             19.6%            12.7%
   2/2003              58.0%               10.1%             19.2%            12.7%
   3/2003              58.0%               10.4%             18.9%            12.6%
   4/2003              57.8%               10.4%             19.1%            12.7%
   5/2003              57.5%               10.7%             19.2%            12.6%
   6/2003              57.2%               11.1%             19.1%            12.6%
   7/2003              56.9%               11.3%             19.2%            12.6%
   8/2003              56.8%               11.7%             19.1%            12.4%
   9/2003              56.3%               12.3%             19.1%            12.4%
  10/2003              56.2%               12.6%             19.0%            12.2%
  11/2003              56.2%               12.9%             18.8%            12.2%
  12/2003              54.9%               13.5%             19.3%            12.3%
   1/2004              55.3%               13.6%             18.9%            12.2%
   2/2004              55.2%               13.9%             18.6%            12.2%
   3/2004              54.8%               14.0%             18.8%            12.4%
   4/2004              54.0%               14.5%             18.9%            12.5%
   5/2004              53.5%               14.9%             18.6%            12.9%
   6/2004              53.3%               15.1%             18.8%            12.8%
   7/2004              52.7%               15.1%             19.2%            12.9%
   8/2004              52.6%               15.3%             19.3%            12.8%
   9/2004              52.4%               15.4%             19.5%            12.7%
  10/2004              49.1%               14.7%             18.7%            17.5%
  11/2004              51.7%               15.5%             19.8%            13.0%
  12/2004              51.2%               15.8%             20.5%            12.4%
   1/2005              51.4%               15.9%             20.4%            12.4%
   2/2005              51.5%               15.9%             20.3%            12.3%
   3/2005              51.1%               16.3%             20.4%            12.2%
   4/2005              50.2%               16.8%             20.3%            12.7%
   5/2005              49.0%               16.5%             20.1%            14.4%
   6/2005              49.8%               17.2%             20.9%            12.1%
   7/2005              49.1%               17.7%             21.0%            12.2%
   8/2005              48.5%               18.1%             21.2%            12.2%
   9/2005              48.2%               18.2%             21.4%            12.2%
  10/2005              47.6%               18.8%             21.6%            12.0%
  11/2005              47.3%               19.0%             21.7%            12.0%
  12/2005              46.5%               19.7%             21.9%            11.9%
   1/2006              46.8%               19.8%             21.6%            11.8%
   2/2006              47.1%               19.8%             21.4%            11.8%
   3/2006              46.2%               20.7%             21.4%            11.8%
   4/2006              45.9%               20.9%             21.4%            11.8%
   5/2006              45.2%               21.6%             21.5%            11.7%
   6/2006              44.5%               22.4%             21.5%            11.6%
   7/2006              44.4%               22.5%             21.4%            11.7%
   8/2006              44.0%               22.9%             21.4%            11.7%
   9/2006              43.5%               23.4%             21.5%            11.6%
  10/2006              43.3%               23.7%             21.5%            11.5%
  11/2006              42.9%               23.8%             21.4%            11.8%
  12/2006              42.5%               24.3%             21.4%            11.8%
   1/2007              42.1%               24.9%             21.2%            11.9%
   2/2007              42.3%               25.3%             20.9%            11.6%
 3/2007   42.0%   25.2%   20.8%   11.9%
 4/2007   42.0%   25.1%   20.7%   12.2%
 5/2007   41.3%   25.7%   21.0%   12.0%
 6/2007   41.4%   25.9%   20.9%   11.8%
 7/2007   40.9%   26.5%   20.9%   11.7%
 8/2007   40.5%   27.1%   20.9%   11.5%
 9/2007   40.6%   27.0%   21.0%   11.4%
10/2007   40.5%   26.7%   21.3%   11.5%
11/2007   40.3%   27.4%   21.1%   11.3%
12/2007   39.7%   27.6%   21.4%   11.2%
 1/2008   39.7%   28.1%   21.1%   11.0%
 2/2008   39.7%   28.1%   21.1%   11.1%
 3/2008   39.6%   28.6%   21.0%   10.8%
 4/2008   39.6%   28.2%   21.2%   11.0%
 5/2008   39.7%   28.0%   21.3%   11.0%
 6/2008   39.4%   28.3%   21.3%   10.9%
 7/2008   39.5%   28.0%   21.6%   11.0%
 8/2008   39.2%   28.6%   21.4%   10.7%
 9/2008   38.8%   29.3%   21.4%   10.5%
10/2008   37.9%   31.1%   20.9%   10.1%
11/2008   38.3%   30.8%   20.8%   10.1%
12/2008   36.9%   32.9%   20.5%    9.7%
 1/2009   36.7%   33.7%   20.1%    9.5%
 2/2009   36.4%   34.3%   19.8%    9.5%
 3/2009   36.4%   34.1%   20.0%    9.5%
 4/2009   36.2%   33.4%   20.6%    9.8%
 5/2009   35.8%   33.7%   20.7%    9.9%
 6/2009   35.4%   33.8%   20.9%    9.9%
 7/2009   35.4%   33.1%   21.5%   10.1%
 8/2009   35.0%   33.2%   21.6%   10.1%
 9/2009   34.6%   33.8%   21.5%   10.0%
10/2009   34.1%   33.9%   21.4%   10.6%
11/2009   34.1%   34.0%   21.6%   10.2%
12/2009   33.4%   34.6%   21.8%   10.2%
 1/2010   33.5%   34.7%   21.6%   10.2%
 2/2010   33.5%   34.6%   21.6%   10.3%
 3/2010   32.8%   34.9%   21.8%   10.5%
 4/2010   32.5%   35.2%   21.7%   10.5%
 5/2010   32.3%   35.9%   21.4%   10.4%
 6/2010   31.5%   37.3%   20.9%   10.3%
 7/2010   31.6%   36.8%   21.1%   10.5%
 8/2010   31.1%   37.6%   20.8%   10.4%
 9/2010   31.2%   37.4%   20.9%   10.5%
10/2010   31.4%   37.3%   20.8%   10.5%
11/2010   30.8%   38.3%   20.4%   10.5%
12/2010   30.2%   39.0%   20.4%   10.3%
 1/2011   30.6%   38.7%   20.3%   10.5%
 2/2011   30.6%   38.9%   20.0%   10.5%
 3/2011   30.7%   38.9%   19.8%   10.6%
 4/2011   31.1%   38.7%   19.5%   10.7%
 5/2011   30.8%   39.4%   19.2%   10.6%
 6/2011   30.8%   39.7%   18.8%   10.6%
 7/2011   30.6%   40.5%   18.5%   10.5%
 8/2011   30.5%   40.5%   18.5%   10.5%
 9/2011   30.7%   40.8%   18.1%   10.4%
10/2011   30.9%   40.6%   18.0%   10.4%
11/2011   31.2%   40.9%   17.6%   10.3%
12/2011   31.2%   40.9%   17.5%   10.4%
 1/2012   31.6%   40.5%   17.4%   10.4%
2/2012   31.7%   40.4%   17.4%   10.5%
3/2012   31.8%   40.4%   17.3%   10.5%
4/2012   31.8%   40.5%   17.2%   10.6%
Zakumulowany indeks zmiany kryteriów polityki kredytowej banków
Cumulative index of changes in loan conditions

                                                         Kredyty
                          Kredyty mieszkaniowe
                                                      konsumpcyjne
                             Housing loans to
                                                     Consumer loans
                               households
IV kw 2003     Q4 2003                     -2.3%                    18.9%
I kw 2004      Q1 2004                      2.9%                    41.0%
II kw 2004     Q2 2004                    51.9%                     87.1%
III kw 2004    Q3 2004                    66.3%                     89.7%
IV kw 2004     Q4 2004                    82.0%                    109.3%
I kw 2005      Q1 2005                   104.9%                    148.0%
II kw 2005     Q2 2005                   127.2%                    204.3%
III kw 2005    Q3 2005                   142.1%                    227.1%
IV kw 2005     Q4 2005                   138.8%                    242.1%
I kw 2006      Q1 2006                   148.5%                    282.9%
II kw 2006     Q2 2006                   145.4%                    323.1%
III kw 2006    Q3 2006                    74.9%                    329.0%
IV kw 2006     Q4 2006                    84.1%                    354.0%
I kw 2007      Q1 2007                    85.6%                    364.8%
II kw 2007     Q2 2007                    96.1%                    382.6%
III kw 2007    Q3 2007                    55.9%                    366.8%
IV kw 2007     Q4 2007                    46.2%                    423.2%
I kw 2008      Q1 2008                    47.0%                    427.7%
II kw 2008     Q2 2008                    40.1%                    390.2%
III kw 2008    Q3 2008                    14.1%                    367.8%
IV kw 2008     Q4 2008                   -71.6%                    293.8%
I kw 2009      Q1 2009                  -119.9%                    245.7%
II kw 2009     Q2 2009                  -162.4%                    166.9%
III kw 2009    Q3 2009                  -189.3%                    100.6%
IV kw 2009     Q4 2009                  -159.2%                     69.5%
I kw 2010      Q1 2010                  -170.3%                     21.4%
II kw 2010     Q2 2010                  -164.1%                    -11.9%
III kw 2010    Q3 2010                  -210.4%                    -78.3%
IV kw 2010     Q4 2010                  -300.0%                   -148.4%
I kw 2011      Q1 2011                  -312.0%                   -152.0%
II kw 2011     Q2 2011                  -323.6%                   -153.7%
III kw 2011    Q3 2011                  -336.2%                   -150.5%
IV kw 2011     Q4 2011                  -382.3%                   -137.9%
I kw 2012      Q1 2012                  -467.6%                   -156.9%
Struktura walutowa nowo udzielonych kredytów mieszkaniowych dla gospodarstw domowych
mld zł
Currency structure of new housing loans to households
zloty billion

             PLN        USD       EUR        CHF
   4/2007       2.4        0.0       0.0        1.4
   5/2007       2.6        0.0       0.0        1.5
   6/2007       2.8        0.0       0.0        1.6
   7/2007       2.8        0.0       0.0        1.7
   8/2007       2.4        0.0       0.0        1.6
   9/2007       2.5        0.0       0.0        1.3
  10/2007       2.5        0.0       0.0        1.5
  11/2007       2.2        0.0       0.0        1.3
  12/2007       1.9        0.0       0.0        1.3
   1/2008       1.6        0.0       0.0        1.2
   2/2008       1.5        0.0       0.0        1.5
   3/2008       1.7        0.0       0.0        1.9
   4/2008       1.6        0.0       0.0        2.6
   5/2008       1.3        0.0       0.0        2.3
   6/2008       1.2        0.0       0.0        2.8
   7/2008       1.4        0.0       0.0        3.2
   8/2008       1.6        0.0       0.0        2.4
   9/2008       1.7        0.1       0.0        2.7
  10/2008       1.9        0.0       0.0        3.1
  11/2008       1.5        0.0       0.0        1.1
  12/2008       1.6        0.1       0.0        0.8
   1/2009       1.3        0.1       0.0        0.5
   2/2009       1.2        0.1       0.0        0.3
   3/2009       1.7        0.0       0.1        0.7
   4/2009       1.6        0.0       0.1        0.6
   5/2009       1.7        0.0       0.1        0.5
   6/2009       1.7        0.0       0.0        0.4
   7/2009       1.8        0.0       0.1        0.2
   8/2009       1.7        0.0       0.0        0.1
   9/2009       1.8        0.0       0.1        0.1
  10/2009       2.0        0.0       0.1        0.2
  11/2009       1.7        0.0       0.0        0.2
  12/2009       1.8        0.0       0.1        0.2
   1/2010       1.5        0.0       0.1        0.1
   2/2010       1.4        0.0       0.1        0.1
   3/2010       1.9        0.0       0.3        0.1
   4/2010       1.8        0.0       0.4        0.1
   5/2010       2.0        0.0       0.5        0.1
   6/2010       2.3        0.0       0.6        0.0
   7/2010       2.1        0.0       0.8        0.3
   8/2010       2.3        0.0       0.8        0.2
 9/2010   2.3   0.0   0.7   0.3
10/2010   2.4   0.0   0.6   0.4
11/2010   2.4   0.0   0.4   0.4
12/2010   2.8   0.0   0.5   0.3
 1/2011   1.9   0.0   0.3   0.2
 2/2011   1.8   0.0   0.4   0.2
 3/2011   2.4   0.0   0.5   0.2
 4/2011   2.4   0.0   0.5   0.2
 5/2011   2.4   0.0   0.6   0.2
 6/2011   2.5   0.0   0.6   0.1
 7/2011   2.2   0.0   0.5   0.1
 8/2011   2.2   0.0   0.5   0.2
 9/2011   2.3   0.0   0.5   0.2
10/2011   2.0   0.0   0.5   0.2
11/2011   1.7   0.0   0.5   0.1
12/2011   2.0   0.0   0.6   0.1
 1/2012   1.6   0.0   0.5   0.1
 2/2012   1.8   0.0   0.4   0.1
 3/2012   2.2   0.0   0.4   0.1
 4/2012   2.1   0.0   0.2   0.2
Kredyty konsumpcyjne
mld zł
Consumer loans
zloty billion

             Nowe kredyty                Stan
            New loans (flow)     Balance sheet (stock)
   1/2007                  2.1                      64.7
   2/2007                  2.1                      65.1
   3/2007                  2.9                      66.9
   4/2007                  2.7                      68.2
   5/2007                  3.1                      70.6
   6/2007                  3.0                      72.4
   7/2007                  3.1                      74.5
   8/2007                  3.3                      76.0
   9/2007                  3.5                      77.9
  10/2007                  3.6                      79.5
  11/2007                  3.4                      81.3
  12/2007                  3.3                      83.0
   1/2008                  3.2                      84.4
   2/2008                  3.3                      85.4
   3/2008                  3.6                      87.6
   4/2008                  4.3                      89.8
   5/2008                  4.0                      92.0
   6/2008                  4.2                      94.5
   7/2008                  4.7                      96.7
   8/2008                  4.1                      99.6
   9/2008                  4.6                     102.4
  10/2008                  4.1                     105.6
  11/2008                  3.9                     106.5
  12/2008                  3.6                     109.3
   1/2009                  2.9                     111.0
   2/2009                  2.9                     111.9
   3/2009                  3.6                     113.4
   4/2009                  3.6                     114.4
   5/2009                  3.4                     116.2
   6/2009                  3.5                     117.4
   7/2009                  3.6                     118.4
   8/2009                  3.2                     119.5
   9/2009                  3.4                     121.1
  10/2009                  3.1                     121.9
  11/2009                  2.8                     122.1
  12/2009                  2.8                     122.4
   1/2010                  2.3                     122.2
   2/2010                  2.5                     121.7
   3/2010                  3.3                     122.7
   4/2010                  2.8                     123.0
   5/2010                  2.9                     124.1
   6/2010                  2.8                     124.7
   7/2010                  2.7                     124.5
   8/2010                  2.7                     125.5
   9/2010                  2.7                     125.2
  10/2010                  2.6                     124.9
  11/2010                  2.6                     125.4
  12/2010                  2.7                     124.9
 1/2011   2.0   123.8
 2/2011   2.1   123.0
 3/2011   2.6   122.7
 4/2011   2.5   121.7
 5/2011   2.6   122.7
 6/2011   2.7   122.2
 7/2011   2.7   122.8
 8/2011   2.6   124.0
 9/2011   2.7   124.1
10/2011   2.5   123.8
11/2011   2.5   124.0
12/2011   2.5   122.6
 1/2012   1.9   120.9
 2/2012   2.0   120.1
 3/2012   2.6   120.2
 4/2012   2.3   120.1
Kredyty udzielone w ramach programu "Rodzina na swoim"
mld zł
Loans granted as part of "Rodzina na swoim" (government support program)
zloty billion

                               Liczba                Wartość
                            Number of loans          Amount
I kw 2010      Q1 2010                  8,098                  1.4
II kw 2010     Q2 2010                  9,746                  1.8
III kw 2010    Q3 2010                 11,000                  2.1
IV kw 2010     Q4 2010                 14,351                  2.8
I kw 2011      Q1 2011                 13,168                  2.6
II kw 2011     Q2 2011                 14,328                  3.0
III kw 2011    Q3 2011                 14,355                  3.0
IV kw 2011     Q4 2011                  8,594                  1.2
I kw 2012      Q1 2012                  8,648                  1.5
Wskaźniki kredytów zagrożonych dla przedsiębiorstw
Impaired loan ratios for enterprises

            Odstęp międzykwartylowy Mediana Średnia      Średnia dla sektora bankowego
               Interquartile range     Median  Mean          Mean, banking sector
   3/2009                        8.44%   6.49%  7.94%                              8.37%
   4/2009                        9.58%   6.93%  8.75%                              8.89%
   5/2009                        9.69%   6.76%  9.36%                              9.68%
   6/2009                       11.15%   7.44% 10.17%                             10.11%
   7/2009                       11.49%   7.17% 10.31%                              9.75%
   8/2009                       11.62%   6.94% 10.75%                              9.56%
   9/2009                       11.76%   7.98% 11.00%                              9.58%
  10/2009                       12.28%   8.59% 11.01%                              9.70%
  11/2009                       11.95%   8.65% 11.21%                              9.68%
  12/2009                       12.66%   9.01% 13.06%                             11.52%
   1/2010                       12.71%   8.57% 11.88%                             10.92%
   2/2010                       13.24%   8.58% 12.03%                             11.00%
   3/2010                       13.96%   9.13% 11.37%                             11.22%
   4/2010                       15.88%   9.47% 11.56%                             11.41%
   5/2010                       16.44%   9.42% 12.35%                             12.17%
   6/2010                       13.67%   9.97% 12.38%                             12.20%
   7/2010                       16.41%  10.18% 12.57%                             12.38%
   8/2010                       16.41%   10.1%  12.25%                            12.08%
   9/2010                       13.61%   9.60% 12.36%                             12.22%
  10/2010                       16.30%   8.89% 12.47%                             12.29%
  11/2010                       15.46%   8.65% 12.44%                             12.26%
  12/2010                       12.99%   9.54% 12.53%                             12.34%
   1/2011                       13.94%   8.85% 12.37%                             12.22%
   2/2011                       13.26%   8.85% 12.15%                             12.01%
   3/2011                       11.78%   8.76% 11.57%                             11.45%
   4/2011                       12.05%   8.23% 11.56%                             11.45%
   5/2011                       11.81%   8.02% 11.55%                             11.44%
   6/2011                       11.54%   8.14% 11.01%                             10.94%
   7/2011                       11.23%   8.56% 11.09%                             11.02%
   8/2011                       10.74%   8.89% 10.95%                             10.88%
   9/2011                       11.00%   7.95% 10.69%                             10.65%
  10/2011                       11.22%   8.50% 10.53%                             10.49%
  11/2011                       11.22%   8.59% 10.19%                             10.18%
  12/2011                       11.53%   7.95% 10.33%                             10.29%
   1/2012                       11.32%   7.98% 10.43%                             10.37%
   2/2012                       11.95%   7.85% 10.56%                             10.50%
   3/2012                        9.89%   7.61% 10.39%                             10.35%
Dekompozycja zmiany (kw/kw) wskaźnika kredytów zagrożonych dla przedsiębiorstw
Decomposition of the change (q/q) of impaired loan ratio for enterprises


            Wpływ zmiany wartości kredytów z utratą wartości*
            Effect of the change of value of impaired loans*
   3/2009                                                        2.39%
   6/2009                                                        1.44%
   9/2009                                                       -0.75%
  12/2009                                                        1.60%
   3/2010                                                       -0.65%
   6/2010                                                        1.29%
   9/2010                                                       -0.06%
  12/2010                                                        0.02%
   3/2011                                                       -0.60%
   6/2011                                                        0.02%
   9/2011                                                        0.36%
  12/2011                                                        0.23%
   3/2012                                                        0.23%


* przybliżone wartości
* approximate values
ch dla przedsiębiorstw



            Wpływ zmiany wartości kredytów ogółem*           Zmiana wskaźnika kredytów zagrożonych
            Effect of the change of total value of loans*    Change of impaired loan ratio
                                                      -0.30%                                      2.00%
                                                       0.33%                                      1.83%
                                                       0.23%                                     -0.54%
                                                       0.32%                                      1.98%
                                                       0.22%                                     -0.44%
                                                      -0.25%                                      1.01%
                                                       0.05%                                     -0.02%
                                                       0.06%                                      0.08%
                                                      -0.37%                                     -0.94%
                                                      -0.56%                                     -0.52%
                                                      -0.74%                                     -0.36%
                                                      -0.50%                                     -0.26%
                                                      -0.17%                                      0.07%
Zmiany (kw/kw) kwot kredytów dla przedsiębiorstw ze stwierdzoną utratą wartości
mld zł
Changes (q/q) in value of impaired loans for enterprises
zloty billion



                 Duże
                                     MSP          Razem      Razem*
            przedsiębiorstwa
            Large enterprises        SME          Total      Total*
   3/2009                  1.42           3.52        4.94
   6/2009                  1.20           2.41        3.62
   9/2009                 -0.77          -0.70       -1.47
  12/2009                  1.12           2.54        3.66
   3/2010                  0.28          -1.27       -0.99      -0.98
   6/2010                  0.21           2.14        2.35       2.36
   9-2010                 -0.15           0.30        0.14       0.43
  12-2010                 -0.32           0.38        0.06       0.07
   3-2011                 -0.48          -0.72       -1.21      -1.19
   6/2011                 -0.14           0.23        0.09       0.28
   9/2011                 -0.66           1.01        0.35       0.38
  12/2011                 0.16             0.29       0.45       0.95
   3/2012                 0.52             0.09      0.61


* z wyłączeniem wpływu transakcji sprzedaży wierzytelności
* excluding the impact of the sale of debt
Kwartalne odpisy netto z tytułu utraty wartości kredytów dla przedsiębiorstw oraz ich relacja do wartości kredytów netto
mld zł
Net charges arising from loan impairment provisions and ratio of charges to net value of loans in successive quarters
zloty billion


                                     Odpisy netto: duże       Relacja odpisy/kredyty:
             Odpisy netto: MSP
                                      przedsiębiorstwa        MSP (zannualizowana)
                                      Net charges: large       Charges/loans ratio:
             Net charges: SME
                                         enterprises            SME (annualised)
   3/2009                    -0.07                     0.55                   0.27%
   6/2009                     0.19                     0.56                   0.27%
   9/2009                     0.04                     0.43                   0.42%
  12/2009                     0.68                     0.30                   0.68%
   3/2010                     0.03                     0.17                   0.76%
   6/2010                     0.18                     0.21                   0.75%
   9/2010                     0.49                     0.09                   1.13%
  12/2010                     0.26                     0.10                   0.78%
   3/2011                    -0.05                     0.09                   0.72%
   6/2011                     0.22                     0.08                   0.74%
   9/2011                    -0.12                     0.30                   0.24%
  12/2011                     0.53                     0.06                   0.40%
   3/2012                     0.28                     0.24                   0.62%
w oraz ich relacja do wartości kredytów netto

o net value of loans in successive quarters


                Relacja odpisy/kredyty: duże
                     przedsiębiorstwa
                     (zannualizowana)
                 Charges/loans ratio: large
                  enterprises (annualised)
                                          0.94%
                                          1.39%
                                          1.71%
                                          1.83%
                                          1.50%
                                          1.20%
                                          0.85%
                                          0.64%
                                          0.55%
                                          0.39%
                                          0.63%
                                          0.57%
                                          0.71%
Wskaźniki kredytów zagrożonych dla przedsiębiorstw (w %)
Impaired loan ratios for enterprises (in %)

 Przedsiębiorstwa Enterprises      12/2008    12/2009      12/2010    9/2011    12/2011    3-2012
Duże              Large               5.40%      9.20%        9.40%     7.70%      7.40%     7.60%
MSP               SME                 7.40%    13.60%       14.90%     12.80%    12.40%     12.40%
Struktura i jakość kredytów przedsiębiorstw na nieruchomości
Structure and quality of real estate loans for enterprises

             Kredyty na powierzchnię biurową         Kredyty na nieruchomości mieszkaniowe
             Commercial loans (office space)                      Housing loans
                  w mld zł (zloty billion)                    w mld zł (zloty billion)
   3/2009                                  7.56                                         12.87
   4/2009                                  7.03                                         12.88
   5/2009                                  7.30                                         13.09
   6/2009                                  7.44                                         13.10
   7/2009                                  7.19                                         13.08
   8/2009                                  7.17                                         12.99
   9/2009                                  7.31                                         12.80
  10/2009                                  7.40                                         12.67
  11/2009                                  7.34                                         12.48
  12/2009                                  7.34                                         12.57
   1/2010                                  7.32                                         12.37
   2/2010                                  7.30                                         12.18
   3/2010                                  6.72                                         11.89
   4/2010                                  6.79                                         11.62
   5/2010                                  6.99                                         11.47
   6/2010                                  7.03                                         11.21
   7/2010                                  6.65                                         11.21
   8/2010                                  6.69                                         11.24
   9/2010                                  6.86                                         11.15
  10/2010                                  6.92                                         11.00
  11/2010                                  7.04                                         10.85
  12/2010                                  6.89                                         10.49
   1/2011                                  6.83                                         10.36
   2/2011                                  6.88                                         10.36
   3/2011                                  6.67                                         10.48
   4/2011                                  6.63                                         10.41
   5/2011                                  6.69                                         10.46
   6/2011                                  6.69                                         10.43
   7/2011                                  6.74                                         10.49
   8/2011                                  6.84                                         10.62
   9/2011                                  7.51                                         10.59
  10/2011                                  7.50                                         10.73
  11/2011                                  7.41                                         10.87
  12/2011                                  7.25                                         10.70
   1/2012                                  6.96                                         10.55
   2/2012                                  6.93                                         10.25
   3/2012                                  7.94                                         10.40
Kredyty na nieruchomości pozostałe
      Other real estate loans
       w mld zł (zloty billion)
                                23.45
                                22.60
                                23.50
                                23.40
                                22.49
                                22.32
                                22.61
                                22.51
                                22.16
                                21.99
                                22.21
                                21.95
                                21.39
                                21.32
                                21.73
                                21.72
                                21.06
                                20.93
                                21.19
                                21.19
                                21.40
                                21.47
                                21.43
                                21.55
                                21.47
                                21.37
                                21.58
                                21.89
                                21.98
                                22.22
                                22.94
                                23.44
                                25.02
                                24.64
                                24.41
                                24.28
                                23.58
Wskaźnik kredytów zagrożonych na nieruchomości mieszkaniowe
                 Impaired housing loan ratio
                             %
                                                          7.97%
                                                          8.08%
                                                          8.94%
                                                          8.56%
                                                          9.18%
                                                          9.26%
                                                          9.77%
                                                         10.09%
                                                         10.57%
                                                         11.30%
                                                         11.69%
                                                         13.87%
                                                         14.82%
                                                         15.74%
                                                         15.61%
                                                         16.67%
                                                         16.70%
                                                         17.12%
                                                         17.39%
                                                         17.74%
                                                         18.96%
                                                         21.83%
                                                         22.13%
                                                         22.06%
                                                         21.22%
                                                        21.98%
                                                        21.76%
                                                        20.68%
                                                        20.83%
                                                        20.54%
                                                        22.04%
                                                        22.68%
                                                        21.68%
                                                        23.93%
                                                        25.06%
                                                        22.67%
                                                        22.89%
Wskaźnik kredytów zagrożonych na powierzchnię biurową
            Impaired office space loan ratio
                           %
                                                  5.10%
                                                  5.11%
                                                  4.93%
                                                  4.61%
                                                  4.64%
                                                  3.71%
                                                  3.62%
                                                  3.57%
                                                  3.56%
                                                  3.51%
                                                  3.27%
                                                  3.43%
                                                  3.64%
                                                  3.55%
                                                  3.56%
                                                  3.83%
                                                  3.95%
                                                  3.87%
                                                  3.80%
                                                  3.83%
                                                  3.61%
                                                  4.73%
                                                  4.76%
                                                  4.75%
                                                  4.89%
                                                  4.94%
                                                  4.77%
                                                  5.20%
                                                  5.34%
                                                  5.42%
                                                  5.06%
                                                  4.78%
                                                  5.06%
                                                  5.65%
                                                  5.98%
                                                  5.98%
                                                  5.64%
Wskaźnik kredytów zagrożonych na pozostałe nieruchomości
            Impaired other real estate loan ratio
                             %
                                                      4.99%
                                                      5.01%
                                                      5.07%
                                                      5.20%
                                                      4.86%
                                                      4.79%
                                                      5.09%
                                                      5.08%
                                                      5.24%
                                                      5.59%
                                                      5.54%
                                                      6.14%
                                                      6.43%
                                                      6.90%
                                                      7.31%
                                                      7.56%
                                                      7.39%
                                                      7.00%
                                                      6.90%
                                                      6.68%
                                                      6.71%
                                                      6.69%
                                                      6.60%
                                                      6.57%
                                                      6.68%
                                                      6.72%
                                                      6.80%
                                                      6.81%
                                                      6.98%
                                                      7.71%
                                                      7.87%
                                                      7.57%
                                                      7.37%
                                                      7.69%
                                                      8.05%
                                                      9.06%
                                                      8.52%
Udział przedsiębiorstw z ujemnymi przepływami pieniężnymi
(%)
Share of enterprises with negative cash flow
(%)
   Rok        Udział
  Year        Share
     2005      19.82%
     2006      18.21%
     2007      17.92%
     2008      19.53%
     2009      18.27%
     2010      20.14%
     2011      22.59%
Rozkład zadłużenia przedsiębiorstw według rentowności brutto*
(%)
Distribution of corporate debt by pre-tax profit margin*
(%)

            Wskaźnik rentowności brutto<=0        Wskaźnik rentowności brutto>0
               Pre-tax profit margin<=0              Pre-tax profit margin>0

3-2009                                  37.01%                           62.99%
6-2009                                  39.57%                           60.43%
9-2009                                  39.48%                           60.52%
12-2009                                 20.24%                           79.76%
3-2010                                  20.92%                           79.08%
6-2010                                  26.44%                           73.56%
9-2010                                  20.73%                           79.27%
12-2010                                 21.29%                           78.71%
3-2011                                  23.69%                           76.31%
6-2011                                  22.86%                           77.14%
9-2011                                  25.11%                           74.89%
12-2011                                 23.89%                           76.11%
3-2012                                  30.41%                           69.59%


* dane annualizowane
* annualised data
Wskaźnik kredytów zagrożonych dla gospodarstw domowych
Impaired loan ratios for households


                                     Odstęp                               Średnia - system
            Pierwszy kwartyl                             Mediana
                                międzykwartylowy                             bankowy
                                                                          Average - banking
             First quartile     Interquartile range      Median
                                                                               sector
   3/2009                1.2%                 5.5%                 3.5%                3.8%
   4/2009                1.2%                 5.6%                 3.5%                4.0%
   5/2009                1.2%                 5.6%                 3.5%                4.1%
   6/2009                1.4%                 5.0%                 3.4%                4.2%
   7/2009                1.5%                 5.0%                 3.5%                4.6%
   8/2009                1.5%                 5.1%                 3.6%                4.8%
   9/2009                1.6%                 5.9%                 3.9%                4.9%
  10/2009                1.8%                 6.5%                 4.0%                5.0%
  11/2009                1.9%                 6.9%                 3.8%                5.3%
  12/2009                1.7%                 7.4%                 3.9%                5.5%
   1/2010                1.6%                 6.9%                 4.2%                5.7%
   2/2010                1.7%                 6.9%                 4.4%                6.0%
   3/2010                2.5%                 7.0%                 5.0%                6.6%
   4/2010                2.5%                 7.2%                 5.2%                6.8%
   5/2010                2.5%                 7.2%                 5.0%                6.8%
   6/2010                1.8%                 7.5%                 5.0%                6.7%
   7/2010                1.8%                 7.6%                 5.1%                6.9%
   8/2010                2.1%                 7.3%                 5.1%                7.0%
   9/2010                2.0%                 7.7%                 5.3%                7.2%
  10/2010                2.3%                 7.0%                 5.4%                7.3%
  11/2010                2.3%                 7.7%                 5.5%                7.2%
  12/2010                2.5%                 6.7%                 5.1%                7.2%
   1/2011                2.5%                 6.7%                 5.0%                7.5%
   2/2011                2.6%                 6.7%                 4.9%                7.5%
   3/2011                2.8%                 7.5%                 4.9%                7.4%
   4/2011                3.0%                 7.0%                 4.8%                7.3%
   5/2011                2.6%                 7.6%                 4.9%                7.3%
   6/2011                2.5%                 7.7%                 5.0%                7.2%
   7/2011                2.4%                 7.7%                 5.4%                7.1%
   8/2011                2.3%                 7.7%                 5.5%                7.2%
   9/2011                2.4%                 8.0%                 5.5%                7.3%
  10/2011                2.5%                 8.3%                 5.7%                7.4%
  11/2011                2.5%                 8.4%                 5.8%                7.3%
  12/2011                2.7%                 7.9%                 5.6%                7.2%
   1/2012                3.0%                 7.5%                 5.7%                7.4%
   2/2012                3.3%                 7.0%                 5.7%                7.5%
   3/2012                3.3%                 7.0%                 5.9%                7.5%
Średnia


Average
          3.9%
          4.2%
          4.3%
          4.4%
          4.7%
          5.0%
          5.1%
          5.2%
          5.5%
          5.7%
          6.0%
          6.2%
          6.8%
          7.0%
          7.0%
          6.9%
          7.2%
          7.2%
          7.4%
          7.6%
          7.5%
          7.4%
          7.8%
          7.7%
          7.7%
          7.5%
          7.5%
          7.4%
          7.3%
          7.4%
          7.6%
          7.6%
          7.5%
          7.4%
          7.6%
          7.7%
          7.7%
Zmiany (kw/kw) kwot kredytów dla gospodarstw domowych ze stwierdzoną utratą wartości
mld zł
Changes (q/q) in value of impaired loans for households
zloty billion




                      Mieszkaniowe                         Konsumpcyjne



                      Housing loans                       Consumer loans

   3/2009                                  0.44                                  1.75
   6/2009                                  0.18                                  1.66
   9/2009                                  0.14                                  2.15
  12/2009                                  0.38                                  2.56
   3/2010                                  0.10                                  2.39
   6/2010                                  0.44                                  1.57
   9-2010                                  0.61                                  1.63
  12-2010                                  0.34                                  0.26
   3-2011                                  0.51                                  0.63
   6/2011                                  0.39                                 -0.63
   9/2011                                  0.73                                  0.91
  12/2011                                  0.54                                 -0.76
   3/2012                                  0.52                                 -0.02
   Inne               Razem



Other loans           Total

               0.77            2.95
               0.10            1.94
              -0.20            2.08
               0.19            3.12
               0.26            2.75
               0.44            2.45
               0.41            2.64
               0.40            1.00
               0.26            1.40
               0.23           -0.01
               0.94            2.58
               0.15           -0.07
               0.23            0.74
   Razem z wyłączeniem wpływu
transakcji sprzedaży wierzytelnosci
        w latach 2010-2011
         Total excluding
 the impact of the sale of debt in
           2010-2011




                                2.86
                                2.98
                                2.78
                                1.57
                                1.59
                                1.61
                                2.86
                                0.65
Kwartalne odpisy netto z tytułu utraty wartości kredytów dla gospodarstw domowych
mld zł
Net charges arising from household loan impairment provisions in successive quarters
zloty billion

              Mieszkaniowe         Konsumpcyjne                Inne
              Housing loans        Consumer loans           Other loans
   3/2009                 0.12                 1.59                       0.24
   6/2009                 0.18                 1.52                       0.35
   9/2009                 0.10                 1.72                       0.17
  12/2009                 0.17                 2.24                       0.37
   3/2010                 0.17                 1.90                       0.43
   6/2010                 0.29                 2.03                       0.14
   9-2010                 0.17                 1.58                       0.39
  12-2010                 0.23                 1.48                       0.15
   3-2011                 0.26                 1.15                       0.30
   6/2011                 0.29                 0.94                       0.34
   9/2011                 0.36                 0.99                       0.38
  12/2011                 0.45                 0.63                       0.46
   3/2012                 0.32                 0.66                       0.24
Relacja odpisów netto z tytułu utraty wartości do wartości kredytów netto
Ratio of net charges arising from household loan impairment provisions to net value of loans


            Kredyty konsumpcyjne       Kredyty mieszkaniowe
               Consumer loans              Housing loans
   3/2009                  4.06%                       0.21%
   6/2009                  4.70%                       0.29%
   9/2009                  5.32%                       0.29%
  12/2009                  6.16%                       0.27%
   3/2010                  6.35%                       0.29%
   6/2010                  6.72%                       0.33%
   9/2010                  6.58%                       0.35%
  12/2010                  5.97%                       0.36%
   3/2011                  5.39%                       0.38%
   6/2011                  4.49%                       0.36%
   9/2011                  4.01%                       0.42%
  12/2011                  3.29%                       0.47%
   3/2012                  2.90%                       0.48%
Wskaźniki kredytów zagrożonych dla głównych rodzajów kredytów dla gospodarstw domowych
Impaired loan ratios for main types of loans to households

                                                12/2008    12/2009   12/2010    9/2011     12/2011
W karcie kredytowej   Credit card lending           7.4%     12.6%      18.1%     19.2%      18.8%
Pozostałe
                      Other consumer loans          7.9%     13.1%      17.2%     18.2%      17.9%
konsumpcyjne
Mieszkaniowe          Housing loans                 1.1%      1.5%       1.8%       2.2%      2.4%
Inne                  Other                         6.0%      6.7%       8.1%       9.1%      9.2%
3/2012
  19.0%

  18.3%
   2.5%
   9.4%
Udział kredytów mieszkaniowych opóźnionych w spłacie o więcej niż 90 dni (lub poddanych windykacji albo egzekucji)
Share of loans in arrears of more than 90 days (or submitted for collection or execution)

              2005       2006       2007        2008       2009        2010
         1     0.05%      0.02%      0.02%       0.02%      0.02%        0.09%
         2     0.34%      0.15%      0.13%       0.25%      0.37%        0.37%
         3     0.57%      0.29%      0.35%       0.54%      0.87%        0.71%
         4     0.78%      0.48%      0.67%       0.96%      1.26%
         5     0.95%      0.61%      1.00%       1.44%      1.64%
         6     1.11%      0.81%      1.39%       2.09%
         7     1.17%      1.07%      1.77%       2.57%
         8     1.48%      1.31%      2.24%
         9     1.99%      1.58%      2.68%
        10     2.26%      1.81%
        11     2.61%      2.10%
        12     2.93%
        13     2.94%
ndykacji albo egzekucji)
Struktura portfela kredytów mieszkaniowych w przekroju według roku udzielenia kredytu
The structure of housing loans by year of loan origination

   2005      4.94%
   2006     11.66%
   2007     17.70%
   2008     24.43%
   2009     11.44%
   2010     15.49%
   2011     14.34%
Relacja raty kredytu do raty w momencie udzielenia na tle aktualnego zadłużenia z tytułu kredytów mieszkaniowych w CHF
Aktualne zadłużenie w mld zł
The ratio of loan instalment to the instalment at loan origination against current values of Swiss-franc-denominated housing loan
Current value of loans in zloty billion

             Relacja - stała rata    Relacja - stała rata    Aktualne zadłużenie (dla
                kapitałowa                 łączna             kohorty miesięcznej)
              Ratio - constant   Ratio - constant total Current values of loans (for
            principal instalment      instalment             monthly cohorts)
   1/2005                 112.80%                 133.05%                            0.62
   2/2005                 115.70%                 136.32%                            0.56
   3/2005                 114.83%                 135.09%                            0.78
   4/2005                 110.82%                 130.23%                            0.88
   5/2005                 110.33%                 129.41%                            1.01
   6/2005                 113.33%                 132.69%                            1.31
   7/2005                 113.84%                 133.08%                            1.35
   8/2005                 114.97%                 134.25%                            1.29
   9/2005                 118.39%                 138.05%                            1.34
  10/2005                 117.68%                 137.26%                            1.46
  11/2005                 113.82%                 133.20%                            1.49
  12/2005                 116.36%                 136.28%                            1.72
   1/2006                 117.82%                 137.69%                            1.59
   2/2006                 118.11%                 138.17%                            1.48
   3/2006                 114.47%                 134.20%                            2.36
   4/2006                 112.84%                 132.34%                            2.20
   5/2006                 110.32%                 129.62%                            2.49
   6/2006                 106.32%                 124.95%                            2.78
   7/2006                 106.96%                 125.64%                            2.75
   8/2006                 109.06%                 128.15%                            2.56
   9/2006                 106.10%                 124.82%                            2.43
  10/2006                 106.93%                 125.88%                            2.68
  11/2006                 108.68%                 127.86%                            2.69
  12/2006                 107.91%                 127.02%                            3.30
   1/2007                 104.98%                 124.11%                            2.24
   2/2007                 104.19%                 123.12%                            2.23
   3/2007                 103.29%                 121.99%                            2.80
   4/2007                 105.92%                 125.13%                            2.91
   5/2007                 106.49%                 125.93%                            3.20
   6/2007                 104.37%                 123.57%                            3.68
   7/2007                 103.73%                 122.82%                            3.67
   8/2007                 100.19%                 118.78%                            3.41
   9/2007                 102.08%                 120.16%                            2.98
  10/2007                 106.40%                 124.91%                            3.52
  11/2007                 107.05%                 125.26%                            3.25
  12/2007                 109.50%                 127.76%                            3.34
   1/2008                 107.88%                 125.44%                            3.70
 2/2008   107.52%   124.90%   4.20
 3/2008   105.08%   122.11%   5.14
 4/2008   109.90%   127.19%   6.52
 5/2008   114.28%   131.85%   6.27
 6/2008   113.44%   131.07%   7.43
 7/2008   118.95%   136.77%   8.05
 8/2008   119.13%   136.43%   6.61
 9/2008   114.13%   130.34%   6.86
10/2008   100.67%   114.66%   5.57
11/2008   111.38%   123.23%   2.04
12/2008   118.66%   129.29%   1.48
 1/2009   114.11%   123.41%   0.81
 2/2009   104.41%   112.61%   0.70
 3/2009   107.50%   115.04%   0.81
 4/2009   113.68%   121.39%   0.57
 5/2009   114.22%   121.66%   0.56
 6/2009   111.50%   119.36%   0.48
 7/2009   118.23%   125.90%   0.45
 8/2009   123.54%   131.41%   0.50
 9/2009   122.93%   130.59%   1.09
10/2009   122.25%   129.33%   0.71
11/2009   123.76%   130.66%   0.42
12/2009   124.25%   130.82%   0.59
 1/2010   124.86%   130.86%   0.52
 2/2010   125.96%   131.77%   0.20
 3/2010   128.26%   134.08%   0.27
 4/2010   127.87%   133.44%   0.23
 5/2010   121.80%   126.77%   0.24
 6/2010   112.85%   116.90%   0.25
 7/2010   119.44%   123.55%   0.26
 8/2010   118.57%   122.41%   0.28
 9/2010   116.46%   120.21%   0.03
10/2010   119.91%   123.69%   0.03
11/2010   120.00%   123.50%   0.04
12/2010   113.43%   116.49%   0.03
eszkaniowych w CHF

denominated housing loans
Dekompozycja zmiany (kw/kw) wskaźnika kredytów konsumpcyjnych zagrożonych dla gospodarstw domowych
Decomposition of the change (q/q) of impaired consumer loan ratio

                   Wpływ zmiany wartości kredytów ogółem*
                  Effect of the change of total value of loans*
   3/2009                                                     -0.28%
   6/2009                                                     -0.36%
   9/2009                                                     -0.32%
  12/2009                                                     -0.22%
   3/2010                                                     -0.02%
   6/2010                                                     -0.19%
   9/2010                                                     -0.05%
  12/2010                                                      0.06%
   3/2011                                                      0.41%
   6/2011                                                      0.16%
   9/2011                                                     -0.29%
  12/2011                                                      0.21%
   3/2012                                                      0.41%


* przybliżone wartości
* approximate values
pcyjnych zagrożonych dla gospodarstw domowych


             Wpływ zmiany wartości kredytów z utratą wartości*
              Effect of the change of value of impaired loans*
                                                             1.52%
                                                             1.36%
                                                             1.70%
                                                             1.97%
                                                             1.81%
                                                             1.23%
                                                             1.20%
                                                             0.22%
                                                             0.46%
                                                            -0.46%
                                                             0.74%
                                                            -0.58%
                                                            -0.04%
Zmiana wskaźnika kredytów zagrożonych
     Change of impaired loan ratio
                                         1.20%
                                         0.96%
                                         1.34%
                                         1.73%
                                         1.78%
                                         1.02%
                                         1.15%
                                         0.28%
                                         0.89%
                                        -0.31%
                                         0.45%
                                        -0.37%
                                         0.38%
Zmiany (kw/kw) kwot kredytów konsumpcyjnych ze stwierdzoną utratą wartości
mld zł
Quarterly changes in the value of impaired consumer loans
zloty billion


            Banki specjalizujące się w kredytach
                                                              Pozostałe banki
               dla gospodarstw domowych

             Banks specialising in loans for the
                                                                Other banks
                    household sector
   3/2009                                     0.73                               1.04
   6/2009                                     1.24                               0.40
   9/2009                                     1.72                               0.42
  12/2009                                     1.48                               1.08
   3/2010                                     1.67                               0.71
   6/2010                                     1.43                               0.19
   9-2010                                     1.09                               0.52
  12-2010                                     0.32                              -0.03
   3-2011                                     0.10                               0.52
   6/2011                                     0.39                              -0.99
   9/2011                                     0.84                               0.13
  12/2011                                    -0.38                              -0.38
   3/2012                                    -0.32                               0.26
                    Razem z wyłączeniem wpływu
Razem           transakcji sprzedaży wierzytelności w
                           latach 2010-2011
                            Total excluding
Total           the impact of the sale of debt in 2010-
                                  2011
         1.77
         1.64
         2.13
         2.55
         2.38                                      2.38
         1.62                                      1.62
         1.61                                      1.61
         0.29                                      0.29
         0.62                                      0.62
        -0.60                                     -0.60
         0.96                                      0.96
        -0.76                                     -0.76
        -0.06
Udziały kredytów opóźnionych w spłacie o ponad 90 dni po 6, 12, 24, 30 i 36 miesiącach od udzielenia kredytu według miesiąca
Share of loans in arrears of more than 90 days after 6, 12, 24, 30 and 36 months from loan origination by month of loan originati

               6 miesięcy     12 miesięcy 18 miesięcy 24 miesiące 30 miesięcy 36 miesięcy
                6 months       12 months   18 months   24 months   30 months   36 months
     1/2007                         3.63%       5.39%       6.59%       8.05%       8.94%
     2/2007                         3.90%       5.75%       6.90%       8.57%       9.16%
     3/2007                         3.92%       5.46%       6.59%       9.21%       8.88%
     4/2007                         3.78%       5.34%       6.49%       8.90%       8.60%
     5/2007                         3.94%       5.38%       6.63%       8.47%       8.86%
     6/2007                         3.57%       5.42%       7.33%       8.61%       8.94%
     7/2007           2.11%         3.86%       5.83%       7.76%       8.89%       9.34%
     8/2007           2.06%         4.03%       6.15%       8.22%       9.12%       9.55%
     9/2007           1.97%         4.13%       6.32%       9.14%       9.37%       9.75%
    10/2007           1.93%         4.50%       6.77%       9.70%       9.91%      10.36%
    11/2007           2.19%         4.83%       7.36%       9.85%      10.62%      11.06%
    12/2007           2.23%         4.87%       8.03%      10.10%      10.71%      11.13%
     1/2008           2.64%         5.51%       8.78%      10.92%      11.83%      12.27%
     2/2008           2.75%         5.67%       9.25%      11.19%      12.05%      12.43%
     3/2008           2.75%         5.78%       9.99%      11.53%      12.38%      12.66%
     4/2008           2.63%         5.76%       9.59%      10.96%      11.81%      12.11%
     5/2008           2.49%         5.70%       9.27%      10.92%      11.77%      11.73%
     6/2008           2.46%         6.03%       9.26%      10.78%      11.71%      11.75%
     7/2008           2.64%         6.39%       9.62%      11.23%      12.09%      12.14%
     8/2008           2.57%         6.57%       9.72%      11.29%      12.09%      12.21%
     9/2008           2.74%         7.06%      10.00%      11.48%      12.18%      12.32%
    10/2008           2.65%         6.92%       9.87%      11.27%      12.04%      11.97%
    11/2008           2.35%         6.52%       9.58%      10.93%      11.33%      11.54%
    12/2008           2.55%         6.61%       9.31%      10.56%      10.91%      11.10%
     1/2009           2.86%         7.29%      10.07%      11.37%      11.87%
     2/2009           2.95%         7.31%       9.95%      11.24%      11.87%
     3/2009           2.79%         6.82%       9.19%      10.36%      11.03%
     4/2009           2.70%         6.42%       8.59%       9.66%      10.26%
     5/2009           2.47%         6.03%       7.98%       8.94%       9.62%
     6/2009           2.38%         5.34%       7.29%       8.19%       8.81%
     7/2009           1.95%         4.31%       6.00%       6.84%
     8/2009           1.72%         3.82%       5.27%       6.10%
     9/2009           1.75%         3.73%       5.04%       5.89%
    10/2009           1.65%         3.58%       4.87%       5.64%
    11/2009           1.62%         3.40%       4.64%       5.38%
    12/2009           1.50%         3.34%       4.40%       5.10%
     1/2010           1.81%         3.62%       4.92%
     2/2010           1.77%         3.54%       4.80%
     3/2010           1.56%         3.07%       4.28%
     4/2010           1.49%         2.83%       3.93%
     5/2010           1.27%         2.52%       3.60%
     6/2010           1.26%         2.42%       3.43%
 7/2010   1.12%   2.23%
 8/2010   1.11%   2.24%
 9/2010   1.10%   2.25%
10/2010   1.06%   2.21%
11/2010   1.12%   2.36%
12/2010   1.13%   2.41%
 1/2011   1.33%
 2/2011   1.37%
 3/2011   1.30%
 4/2011   1.16%
 5/2011   1.19%
 6/2011   1.08%
elenia kredytu według miesiąca udzielenia kredytu
nation by month of loan origination
Dynamika depozytów gospodarstw domowych i przedsiębiorstw (r/r)
Growth rate of households and enterprises deposits (y/y)

              Gospodarstwa
                                   Przedsiębiorstwa
                domowe
               Households              Deposits
   3/2009               20.7%                      2.2%
   4/2009               21.4%                     -3.7%
   5/2009               21.0%                     -1.6%
   6/2009               20.3%                      2.6%
   7/2009               18.5%                     -1.1%
   8/2009               17.5%                     -0.2%
   9/2009               16.9%                      0.2%
  10/2009               17.6%                      1.9%
  11/2009               16.4%                      6.0%
  12/2009               14.9%                     10.6%
   1/2010               13.7%                      7.8%
   2/2010               12.8%                     10.4%
   3/2010               11.1%                     13.6%
   4/2010                 9.9%                    15.2%
   5/2010                 9.6%                    16.1%
   6/2010                 9.4%                    14.0%
   7/2010                 9.4%                    12.5%
   8/2010                 9.7%                    15.2%
   9/2010                 9.9%                    13.4%
  10/2010               10.2%                     14.2%
  11/2010                 9.7%                    10.9%
  12/2010                 9.7%                    10.3%
   1/2011                 9.4%                     9.8%
   2/2011                 9.5%                     9.1%
   3/2011               10.4%                      7.0%
   4/2011               11.1%                      9.5%
   5/2011               10.1%                      9.1%
   6/2011                 9.7%                     6.6%
   7/2011                 9.8%                     6.3%
   8/2011               10.6%                      7.0%
   9/2011               11.3%                      7.4%
  10/2011               12.1%                      7.4%
  11/2011               12.6%                     11.4%
  12/2011               12.2%                     10.1%
   1/2012               13.7%                     11.0%
   2/2012               12.6%                     11.8%
   3/2012               11.5%                      7.2%
   4/2012               10.8%                      3.1%
Luka finansowania
Funding gap


                                                    Odstęp
            Pierwszy kwartyl     Mediana                             Średnia
                                               międzykwartylowy

              First quartile     Mediana       Interquartile range    Mean
   3/2009               -10.6%         43.8%                92.9%              16.6%
   4/2009               -11.1%         36.8%                93.5%              15.3%
   5/2009                -9.3%         36.8%                94.2%              15.3%
   6/2009               -12.1%         34.7%                98.0%              13.7%
   7/2009               -17.7%         31.6%                99.1%              11.9%
   8/2009               -19.4%         34.7%               103.6%              11.5%
   9/2009               -16.4%         28.8%               100.1%              11.9%
  10/2009               -12.4%         33.3%                97.2%              13.7%
  11/2009               -21.9%         26.3%               105.9%              12.2%
  12/2009               -26.6%         30.5%               108.8%              11.8%
   1/2010               -20.8%         22.5%                99.7%              12.6%
   2/2010               -23.1%         26.6%               102.9%              12.1%
   3/2010               -28.6%         24.6%               107.5%              10.1%
   4/2010               -25.1%         22.1%               107.1%              10.0%
   5/2010               -25.7%         23.9%               106.2%              11.0%
   6/2010               -21.2%         28.5%               103.2%              12.5%
   7/2010               -15.7%         30.2%                93.2%              12.1%
   8/2010               -18.6%         30.6%                98.5%              13.0%
   9/2010               -15.8%         37.0%                94.5%              11.7%
  10/2010               -15.9%         32.5%                94.9%              12.6%
  11/2010               -10.4%         25.1%                88.4%              14.7%
  12/2010               -20.1%         31.8%                96.7%              13.2%
   1/2011               -17.0%         32.4%                90.6%              13.7%
   2/2011               -17.9%         22.9%                92.0%              13.5%
   3/2011               -21.7%         18.6%                93.5%              13.0%
   4/2011               -14.6%         19.6%                87.9%              13.7%
   5/2011               -15.0%         26.9%                90.3%              15.0%
   6/2011               -13.1%         32.7%                88.7%              15.3%
   7/2011               -13.5%         29.1%                89.9%              16.1%
   8/2011               -12.1%         29.3%                86.7%              16.5%
   9/2011               -16.2%         25.1%                91.6%              17.1%
  10/2011                -9.7%         30.9%                83.7%              16.8%
  11/2011                -4.9%         25.1%                76.5%              16.5%
  12/2011                -4.1%         36.5%                76.2%              17.4%
   1/2012                -7.2%         33.4%                83.2%              17.7%
   2/2012                -7.3%         29.4%                83.4%              15.6%
   3/2012                -6.3%         28.9%                83.8%              16.7%
   4/2012                -1.7%         33.3%                81.1%              19.0%
Średnia      (stały
       kurs)
   Mean (fixed
  exchange rate)
             16.6%
             16.8%
             16.5%
             15.0%
             14.7%
             14.5%
             14.3%
             15.8%
             14.8%
             14.3%
             15.1%
             15.0%
             13.1%
             13.0%
             12.9%
             12.6%
             13.4%
             13.3%
             12.7%
             14.0%
             14.8%
             13.3%
             14.5%
             14.0%
             13.6%
             14.5%
             14.8%
             14.7%
             14.2%
             14.5%
             14.7%
             14.7%
             13.5%
             15.0%
             16.1%
             14.2%
             15.5%
             17.7%
Kredyty i depozyty od banków i oddziałów instytucji kredytowych
mld zł
Loans and deposits from banks and branches of credit institutions
zloty billion


                                                   Rezydent - wartości     Nierezydent - wartości
                                                     przeliczone wg           przeliczone wg
               Rezydent         Nierezydent
                                                     stałego kursu z          stałego kursu z
                                                         12.2007                  12.2007

                                                      Resident - value
                                                                           Non-resident - value
                                                   converted at the fixed
                                                                          converted at the fixed
               Resident         Nonresident         exchange rate of the
                                                                           exchange rate of the
                                                     end of December
                                                                          end of December 2007
                                                           2007
    3/2009             50.7                128.3                    47.8                     99.3
    4/2009             42.5                121.1                    40.5                     98.5
    5/2009             40.9                124.0                    39.4                    101.0
    6/2009             44.0                119.8                    42.0                     98.0
    7/2009             35.9                115.1                    34.9                    100.1
    8/2009             37.2                117.4                    36.2                    103.1
    9/2009             35.8                121.5                    34.8                    104.9
   10/2009             34.9                120.9                    34.0                    104.2
   11/2009             33.2                121.7                    32.3                    107.4
   12/2009             31.1                117.0                    30.6                    102.2
    1/2010             35.8                119.8                    35.0                    104.7
    2/2010             38.8                120.5                    38.2                    106.4
    3/2010             37.1                122.0                    36.4                    108.9
    4/2010             41.4                118.7                    40.6                    104.9
    5/2010             36.9                129.9                    36.0                    109.1
    6/2010             36.3                133.9                    35.1                    108.7
    7/2010             32.4                129.6                    31.3                    109.9
    8/2010             34.9                129.5                    33.8                    107.7
    9/2010             33.3                132.7                    32.3                    113.7
   10/2010             35.8                130.6                    34.9                    112.3
   11/2010             37.7                135.0                    36.7                    111.0
   12/2010             34.4                132.2                    33.5                    109.9
    1/2011             39.1                132.2                    38.0                    112.0
    2/2011             42.8                131.1                    41.9                    110.9
    3/2011             40.8                128.8                    40.0                    109.3
    4/2011             37.6                132.4                    36.8                    115.1
    5/2011             38.4                138.1                    37.4                    116.6
    6/2011             34.6                143.0                    33.5                    119.7
    7/2011             36.8                140.3                    35.4                    113.8
    8/2011             37.6                136.1                    36.0                    108.6
    9/2011             37.1                139.5                    35.2                    105.6
   10/2011             39.3                136.6                    37.2                    105.5
   11/2011             38.8                139.0                    36.7                    102.0
   12/2011             33.9                136.8                    32.4                    102.9
    1/2012             38.7                132.4                    37.5                    103.3
2/2012   41.5   124.1   40.1   98.8
3/2012   36.3   123.7   35.2   97.8
4/2012   37.9   124.0   36.9   97.3
Struktura finansowania w bankach o strategii depozytowej, strategii finansowania zagranicznego i strategii mieszanej
Structure of funding in banks applying deposit strategy, foreign funding strategy and mixed strategy

Strategia Depozytowa (lewy panel)
Deposit strategy (left-hand panel)

               A – depozyty
                                     B - zobowiazania     C - zobowiazania
                  sektora                                                   D - zobowiazania z
                                     wobec podmiotów      wobec podmiotów
             niefinansowego,                                               tytułu operacji Repo
                                      finansowych -        finansowych -
               rzadowego i                                                         z NBP
                                        rezydentów         nierezydentów
             samorzadowego
            A – deposits of non-                            C – liabilities
                                       B – liabilities
              financial and the                           towards financial
                                     towards financial                          D - Repo with NBP
            general government                              entities-non-
                                     entities-residents
                   sector                                    residents
   3/2009                  64.6%                   7.6%                  7.2%                   1.5%
   4/2009                  65.5%                   7.4%                  6.9%                   1.8%
   5/2009                  66.4%                   6.9%                  7.2%                   1.0%
   6/2009                  67.0%                   7.3%                  6.7%                   1.1%
   7/2009                  67.5%                   7.2%                  6.8%                   1.0%
   8/2009                  67.3%                   7.8%                  6.4%                   0.8%
   9/2009                  67.5%                   7.8%                  6.8%                   0.7%
  10/2009                  65.7%                   9.4%                  6.5%                   0.8%
  11/2009                  67.8%                   6.9%                  6.9%                   0.6%
  12/2009                  69.7%                   6.1%                  6.1%                   0.8%
   1/2010                  69.2%                   6.6%                  5.6%                   0.6%
   2/2010                  69.6%                   6.3%                  5.5%                   0.5%
   3/2010                  69.1%                   7.0%                  5.6%                   0.4%
   4/2010                  68.7%                   7.8%                  5.4%                   0.2%
   5/2010                  68.9%                   6.7%                  5.8%                   0.2%
   6/2010                  68.9%                   6.6%                  5.8%                   0.1%
   7/2010                  69.7%                   6.5%                  5.7%                   0.1%
   8/2010                  69.3%                   6.9%                  5.3%                   0.1%
   9/2010                  69.6%                   7.3%                  5.2%                   0.0%
  10/2010                  68.4%                   7.6%                  6.1%                   0.0%
  11/2010                  67.6%                   7.3%                  7.0%                   0.0%
  12/2010                  69.5%                   6.6%                  6.5%                   0.0%
   1/2011                  68.6%                   7.5%                  6.4%                   0.0%
   2/2011                  68.7%                   6.5%                  7.6%                   0.0%
   3/2011                  68.7%                   7.1%                  7.1%                   0.0%
   4/2011                  68.6%                   6.7%                  7.5%                   0.0%
   5/2011                  67.2%                   7.9%                  7.7%                   0.0%
   6/2011                  67.5%                   7.3%                  7.6%                   0.0%
   7/2011                  67.0%                   7.5%                  7.3%                   0.0%
   8/2011                  66.8%                   8.0%                  6.9%                   0.0%
   9/2011                  67.0%                   7.6%                  7.0%                   0.0%
  10/2011                  67.3%                   8.0%                  6.5%                   0.0%
  11/2011                  67.7%                   7.4%                  6.4%                   0.0%
  12/2011                  69.3%                   6.3%                  6.1%                   0.0%
   1/2012                  68.4%                   7.8%                  5.7%                   0.0%
   2/2012                  68.4%                   8.2%                  5.4%                   0.0%
   3/2012                 68.5%                  8.1%                5.4%                0.0%
   4/2012                 68.4%                  8.2%                5.3%                0.0%


Strategia finansowania zagranicznego (środkowy panel)
Foreign funding strategy (centre panel)

               A – depozyty
                                   B - zobowiazania     C - zobowiazania
                  sektora                                                 D - zobowiazania z
                                   wobec podmiotów      wobec podmiotów
             niefinansowego,                                             tytułu operacji Repo
                                    finansowych -        finansowych -
               rzadowego i                                                       z NBP
                                      rezydentów         nierezydentów
             samorzadowego
            A – deposits of non-                          C – liabilities
                                     B – liabilities
              financial and the                         towards financial
                                   towards financial                        D - Repo with NBP
            general government                            entities-non-
                                   entities-residents
                   sector                                  residents
   3/2009                 31.7%                 10.0%               39.6%                0.0%
   4/2009                 32.9%                  9.9%               39.1%                0.0%
   5/2009                 34.7%                  8.3%               39.7%                0.3%
   6/2009                 35.1%                  9.6%               38.4%                0.2%
   7/2009                 37.0%                  8.5%               37.2%                0.2%
   8/2009                 37.5%                  9.1%               37.2%                0.3%
   9/2009                 38.0%                  8.8%               37.7%                0.3%
  10/2009                 37.8%                  8.9%               38.4%                0.3%
  11/2009                 37.5%                  8.4%               39.4%                0.0%
  12/2009                 33.6%                  6.5%               45.4%                0.0%
   1/2010                 33.2%                  7.1%               45.1%                0.9%
   2/2010                 33.8%                  6.8%               44.1%                0.9%
   3/2010                 34.5%                  6.2%               44.2%                0.7%
   4/2010                 35.0%                  7.7%               42.5%                0.8%
   5/2010                 34.3%                  6.8%               44.0%                0.8%
   6/2010                 34.3%                  6.0%               45.1%                0.5%
   7/2010                 34.5%                  5.7%               44.6%                0.1%
   8/2010                 32.9%                  5.7%               44.5%                0.1%
   9/2010                 33.4%                  5.5%               45.6%                0.0%
  10/2010                 34.3%                  5.2%               44.8%                0.0%
  11/2010                 34.2%                  5.1%               46.4%                0.0%
  12/2010                 36.4%                  4.4%               44.3%                0.0%
   1/2011                 35.3%                  5.3%               45.1%                0.0%
   2/2011                 34.7%                  6.2%               44.7%                0.0%
   3/2011                 36.1%                  5.2%               44.7%                0.0%
   4/2011                 34.9%                  4.9%               46.3%                0.0%
   5/2011                 33.6%                  5.9%               46.8%                0.0%
   6/2011                 32.6%                  5.0%               49.1%                0.0%
   7/2011                 32.2%                  5.5%               48.0%                0.0%
   8/2011                 32.6%                  4.6%               47.9%                0.0%
   9/2011                 32.5%                  5.2%               47.2%                0.0%
  10/2011                 33.2%                  4.9%               46.7%                0.0%
  11/2011                 33.0%                  4.9%               46.6%                0.0%
  12/2011                 35.0%                  3.2%               47.0%                0.0%
   1/2012                 33.9%                  4.7%               46.1%                0.0%
   2/2012                 34.9%                   5.4%               44.7%                0.0%
   3/2012                 35.5%                   4.3%               45.1%                0.0%
   4/2012                 34.9%                   5.1%               44.9%                0.0%


Strategia mieszana (prawy panel)
Mixed strategy (right-hand panel)

               A – depozyty
                                    B - zobowiazania     C - zobowiazania
                  sektora                                                  D - zobowiazania z
                                    wobec podmiotów      wobec podmiotów
             niefinansowego,                                              tytułu operacji Repo
                                     finansowych -        finansowych -
               rzadowego i                                                        z NBP
                                       rezydentów         nierezydentów
             samorzadowego
            A – deposits of non-                           C – liabilities
                                      B – liabilities
              financial and the                          towards financial
                                    towards financial                        D - Repo with NBP
            general government                             entities-non-
                                    entities-residents
                   sector                                   residents
   3/2009                 35.7%                  12.8%               24.5%                0.7%
   4/2009                 35.9%                  12.0%               24.1%                1.3%
   5/2009                 37.4%                  12.6%               24.1%                1.2%
   6/2009                 38.5%                  11.8%               23.6%                1.2%
   7/2009                 40.2%                  10.8%               23.1%                1.1%
   8/2009                 39.2%                  11.5%               22.7%                0.6%
   9/2009                 38.5%                  11.4%               23.0%                0.6%
  10/2009                 37.6%                  12.7%               21.4%                2.6%
  11/2009                 39.0%                  10.5%               21.5%                2.4%
  12/2009                 42.2%                  11.6%               16.8%                3.5%
   1/2010                 37.8%                  12.9%               17.8%                3.7%
   2/2010                 38.1%                  13.3%               18.3%                3.8%
   3/2010                 38.9%                  12.7%               17.8%                3.0%
   4/2010                 38.6%                  13.1%               18.0%                1.0%
   5/2010                 38.8%                  12.6%               18.8%                1.0%
   6/2010                 38.1%                  10.9%               19.7%                0.9%
   7/2010                 38.3%                  11.8%               18.8%                0.1%
   8/2010                 38.2%                  13.4%               18.2%                0.0%
   9/2010                 37.5%                  13.2%               18.2%                0.0%
  10/2010                 38.2%                  13.0%               18.0%                0.0%
  11/2010                 36.9%                  14.5%               18.3%                0.0%
  12/2010                 37.3%                  14.3%               19.3%                0.0%
   1/2011                 36.1%                  15.0%               19.1%                0.0%
   2/2011                 36.9%                  15.0%               19.1%                0.0%
   3/2011                 36.8%                  18.9%               17.0%                0.0%
   4/2011                 39.7%                  13.9%               18.3%                0.0%
   5/2011                 37.6%                  13.5%               18.5%                0.0%
   6/2011                 38.3%                  12.8%               18.2%                0.0%
   7/2011                 40.3%                  12.2%               17.7%                0.0%
   8/2011                 40.3%                  12.4%               17.4%                0.0%
   9/2011                 37.6%                  12.3%               18.7%                0.0%
  10/2011                 37.3%                  12.0%               18.6%                0.0%
  11/2011                 39.3%                  12.1%               18.3%                0.0%
  12/2011                 37.1%                  12.9%               19.1%                0.0%
1/2012   34.2%   14.0%   18.0%   0.0%
2/2012   36.7%   13.7%   15.9%   0.0%
3/2012   34.7%   13.6%   16.6%   0.0%
4/2012   33.9%   14.0%   18.6%   0.0%
cznego i strategii mieszanej




                                       F - pozostałe
                  E - kapitały
                                          pasywa



                                        F – other
                   E – capital
                                        liabilities


                                9.9%            9.2%
                               10.2%            8.4%
                               10.4%            8.0%
                               10.4%            7.4%
                               10.7%            6.9%
                               10.8%            6.8%
                               10.9%            6.4%
                               10.7%            6.9%
                               10.8%            7.0%
                               11.8%            5.5%
                               11.9%            6.1%
                               12.1%            6.0%
                               12.1%            5.9%
                               12.0%            5.8%
                               12.1%            6.3%
                               12.0%            6.8%
                               12.4%            5.8%
                               12.3%            6.1%
                               12.2%            5.7%
                               11.9%            6.0%
                               11.8%            6.4%
                               11.9%            5.6%
                               12.0%            5.6%
                               12.0%            5.2%
                               12.1%            5.0%
                               11.8%            5.5%
                               11.7%            5.5%
                               11.6%            6.2%
                               11.6%            6.6%
                               11.5%            6.9%
                               11.4%            7.0%
                               11.5%            6.7%
                               11.3%            7.2%
                               11.5%            6.8%
                               11.3%            6.7%
                               11.6%            6.4%
          11.6%               6.4%
          11.7%               6.3%




                     F - pozostałe
E - kapitały
                        pasywa



                      F – other
E – capital
                      liabilities


              5.4%           13.3%
              5.6%           12.5%
              5.5%           11.6%
              5.3%           11.4%
              5.6%           11.5%
              5.6%           10.3%
              6.0%            9.1%
              6.0%            8.7%
              6.0%            8.6%
              6.6%            8.0%
              6.5%            7.2%
              6.6%            7.9%
              6.7%            7.7%
              6.6%            7.5%
              6.3%            7.9%
              6.3%            7.9%
              6.4%            8.7%
              6.3%           10.4%
              6.5%            8.9%
              6.5%            9.2%
              6.6%            7.7%
              6.5%            8.3%
              6.4%            7.9%
              6.3%            8.1%
              6.5%            7.5%
              6.3%            7.6%
              6.4%            7.3%
              6.2%            7.2%
              6.2%            8.1%
              6.4%            8.4%
              8.4%            6.6%
              8.5%            6.7%
              8.4%            7.1%
              8.5%            6.3%
              8.6%            6.8%
              8.7%            6.3%
              8.9%            6.2%
              8.9%            6.2%




                     F - pozostałe
E - kapitały
                        pasywa



                      F – other
E – capital
                      liabilities


           9.5%              16.8%
           9.6%              17.2%
           9.6%              15.0%
          11.1%              13.7%
          11.6%              13.2%
          11.2%              14.9%
          11.2%              15.2%
          11.1%              14.6%
          11.4%              15.3%
          10.5%              15.3%
          10.8%              17.0%
          10.7%              15.9%
          10.7%              16.9%
          10.5%              18.8%
          10.2%              18.6%
           9.9%              20.5%
          11.1%              19.9%
          10.8%              19.3%
          10.8%              20.3%
          11.1%              19.7%
          11.0%              19.3%
          11.1%              17.9%
          10.9%              18.9%
          10.7%              18.3%
          10.1%              17.2%
          10.6%              17.5%
          10.3%              20.1%
          10.0%              20.7%
           9.8%              20.0%
           9.9%              20.0%
          10.0%              21.4%
          10.1%              22.0%
           9.6%              20.6%
          10.3%              20.5%
11.8%   22.0%
11.3%   22.5%
11.8%   23.2%
12.2%   21.3%
Oprocentowanie nowych terminowych depozytów złotowych
Interest on new zloty term deposits



            Gospodarstwa                          Średniomiesięczna
                           Przedsiębiorstwa
              domowe                                stawka WIBOR
             Households       Enterprises         The average WIBOR
   3/2009            4.96%             3.43%                     4.18%
   4/2009            4.49%             3.33%                     3.96%
   5/2009            4.48%             3.47%                     4.31%
   6/2009            4.40%             3.29%                     4.35%
   7/2009            4.31%             3.08%                     4.07%
   8/2009            4.24%             2.98%                     3.97%
   9/2009            4.24%             3.02%                     3.99%
  10/2009            4.25%             3.01%                     4.02%
  11/2009            4.21%             3.08%                     4.00%
  12/2009            4.03%             2.99%                     4.05%
   1/2010            3.91%             2.92%                     4.09%
   2/2010            3.81%             2.93%                     4.01%
   3/2010            3.90%             2.94%                     4.03%
   4/2010            3.90%             2.97%                     3.95%
   5/2010            3.81%             3.05%                     3.88%
   6/2010            3.68%             3.05%                     3.86%
   7/2010            3.59%             2.92%                     3.84%
   8/2010            3.52%             3.02%                     3.83%
   9/2010            3.54%             3.09%                     3.85%
  10/2010            3.53%             3.11%                     3.87%
  11/2010            3.57%             3.05%                     3.88%
  12/2010            3.56%             3.05%                     3.93%
   1/2011            3.56%             3.01%                     4.04%
   2/2011            3.65%             3.17%                     4.15%
   3/2011            3.77%             3.36%                     4.21%
   4/2011            3.77%             3.46%                     4.31%
   5/2011            3.84%             3.51%                     4.44%
   6/2011            4.11%             3.99%                     4.64%
   7/2011            4.24%             4.07%                     4.72%
   8/2011            4.33%             4.20%                     4.74%
   9/2011            4.36%             4.27%                     4.76%
  10/2011            4.47%             4.21%                     4.79%
  11/2011            4.63%             4.44%                     4.89%
  12/2011            4.73%             4.33%                     4.94%
   1/2012            4.77%             4.20%                     4.93%
   2/2012            4.66%             4.17%                     4.92%
   3/2012            4.58%             4.24%                     4.90%
   4/2012            4.58%             4.30%                     4.90%
Efektywne oprocentowanie zobowiązań w grupach banków o poszczególnych strategiach finansowania
Effective interest rate on liabilities by banks funding strategies

                              Finansowania
            Depozytowa                               Mieszana
                              zagranicznego
              Deposit        Foreign funding          Mixed
   3/2009           3.9%                  4.6%                  4.6%
   6/2009           3.8%                  4.3%                  4.2%
   9/2009           3.6%                  3.8%                  3.8%
  12/2009           3.3%                  3.8%                  3.3%
   3/2010           3.1%                  3.4%                  2.7%
   6/2010           3.0%                  3.2%                  2.7%
   9/2010           3.0%                  3.1%                  2.7%
  12/2010           2.9%                  2.5%                  2.6%
   3/2011           2.9%                  2.5%                  2.4%
   6/2011           2.9%                  2.5%                  2.4%
   9/2011           3.0%                  2.2%                  2.5%
  12/2011           3.1%                  2.2%                  2.5%
   3/2012           3.2%                  2.5%                  2.6%
giach finansowania
Współczynnik płynności M2 w bankach komercyjnych
Supervisory M2 liquidity standard in commercial banks


                                                             Odstęp
             Pierwszy kwartyl          Mediana                                Średnia
                                                        międzykwartylowy

               First quartile          Mediana          Interquartile range    Mean
   3/2009                1.24                  1.50                 1.13              1.35
   4/2009                1.25                  1.58                 1.49              1.34
   5/2009                1.31                  1.56                 2.12              1.44
   6/2009                1.29                  1.57                 1.58              1.43
   7/2009                1.39                  1.60                 1.99              1.62
   8/2009                1.29                  1.62                 1.75              1.55
   9/2009                1.21                  1.56                 1.90              1.53
  10/2009                1.35                  1.68                 1.92              1.59
  11/2009                1.34                  1.62                 1.91              1.50
  12/2009                1.27                  1.71                 1.65              1.50
   1/2010                1.33                  1.56                 1.27              1.63
   2/2010                1.41                  1.64                 1.34              1.66
   3/2010                1.41                  1.66                 1.25              1.60
   4/2010                1.36                  1.71                 1.36              1.60
   5/2010                1.34                  1.58                 1.36              1.48
   6/2010                1.30                  1.56                 0.96              1.45
   7/2010                1.34                  1.63                 0.76              1.63
   8/2010                1.36                  1.55                 0.73              1.48
   9/2010                1.35                  1.62                 0.89              1.46
  10/2010                1.42                  1.66                 0.86              1.55
  11/2010                1.34                  1.61                 0.84              1.46
  12/2010                1.41                  1.68                 0.65              1.54
   1/2011                1.28                  1.62                 0.63              1.47
   2/2011                1.40                  1.64                 0.67              1.48
   3/2011                1.29                  1.61                 0.74              1.41
   4/2011                1.29                  1.47                 0.57              1.45
   5/2011                1.23                  1.34                 0.53              1.36
   6/2011                1.27                  1.43                 0.74              1.37
   7/2011                1.25                  1.45                 0.84              1.41
   8/2011                1.23                  1.48                 0.68              1.36
   9/2011                1.32                  1.47                 0.80              1.37
  10/2011                1.28                  1.51                 1.01              1.35
  11/2011                1.26                  1.63                 0.76              1.34
  12/2011                1.28                  1.57                 0.87              1.44
   1/2012                1.34                  1.56                 0.94              1.43
   2/2012                1.29                  1.56                 0.70              1.36
   3/2012                1.30                  1.54                 0.81              1.46
   4/2012                1.32                  1.51                 0.76              1.45
Mediana Value at Risk z tytułu ryzyka walutowego i stopy procentowej
Median of Value at Risk for FX and interest rate risk


            Łączne ryzyko    Ryzyko stopy
                                                  Ryzyko stopy
              walutowe i  procentowej (portfel
                                               procentowej (portfel       Ryzyko walutowe
                stopy         bankowy i
                                                   handlowy)
             procentowej      handlowy)
             Total FX and     Interest rate risk
                                                     Interest rate risk
             interest rate      (banking and                                  FX risk
                                                      (trading book)
                 risk           trading book)
   3-2009            3.52%                  2.29%                 0.63%                 0.07%
   6-2009            3.70%                  2.50%                 0.54%                 0.07%
   9-2009            4.33%                  2.83%                 0.45%                 0.06%
  12-2009            2.71%                  2.23%                 0.32%                 0.04%
   3-2010            2.03%                  1.50%                 0.25%                 0.03%
   6-2010            1.72%                  1.42%                 0.17%                 0.01%
   9-2010            1.25%                  1.06%                 0.14%                 0.02%
  12-2010            1.05%                  0.78%                 0.11%                 0.01%
   3-2011            1.26%                  0.83%                 0.18%                 0.01%
   6-2011            0.95%                  0.64%                 0.16%                 0.02%
   9-2011            0.62%                  0.48%                 0.11%                 0.02%
  12-2011            1.16%                  0.85%                 0.12%                 0.01%
   3-2012            1.34%                  0.94%                 0.20%                 0.01%
Wybrane pozycje funduszy własnych i współczynnik wypłacalności banków krajowych
Selected items of the regulatory capital and the capital adequacy ratio of domestic banks

                                                                                       3/2009    4/2009
Fundusze podstawowe (mld zł)                    Core capital (zloty billion)            72.39     73.43
Zobowiązania podporzadkowane (mld zł)           Subordinated debt (zloty billion)         8.19      7.91
Współczynnik wypłacalności (w %)                Capital adequacy ratio (in %)          11.1%     11.5%

Współczynnik wypłacalności (fundusze            Capital adequacy ratio taking
podstawowe) (w %)                               core capital into account (in %)       10.0%     10.5%
5/2009    6/2009    7/2009    8/2009    9/2009    10/2009    11/2009    12/2009    1/2010    2/2010
 73.73     78.76     79.80     80.27     80.87      77.09      77.06      81.16     81.32     82.81
   7.98      8.62      8.32      8.30      8.67       8.69       8.58       8.58      8.69      8.63
11.6%     12.4%     12.1%     12.2%     12.2%      11.6%      12.5%      13.3%     13.2%     13.5%


10.5%     11.2%     11.0%     11.1%     11.1%      10.5%      11.3%      12.0%     11.9%     12.2%
3/2010    4/2010    5/2010    6/2010    7/2010    8/2010    9/2010    10/2010    11/2010    12/2010
 86.91     87.28     86.89     86.39     89.08     90.03     90.38      90.37      90.45      90.50
   8.59      8.65      8.82      9.13      8.97      9.12      9.04       9.40       9.66       9.62
14.2%     14.1%     13.7%     13.4%     13.9%     13.9%     13.9%      13.9%      13.7%      13.9%


12.8%     12.8%     12.4%     12.1%     12.5%     12.5%     12.6%      12.6%      12.4%      12.5%
1/2011    2/2011    3/2011    4/2011    5/2011    6/2011    7/2011   8/2011   9/2011   10/2011
 90.25     90.54     92.94     93.25     94.02     94.80     94.93    95.85    98.73     98.97
   9.48      9.62      9.49      9.43      9.63      9.73    10.42    10.52    10.80     10.90
13.8%     13.7%     13.9%     13.9%     13.7%     13.7%     13.5%    13.5%    13.2%     13.3%


12.4%     12.4%     12.6%     12.6%     12.4%     12.4%     12.1%    12.1%    11.8%     11.9%
11/2011   12/2011   1/2012   2/2012   3/2012    4/2012
  98.90     99.13    99.40   101.08    104.8     108.2
  11.25     11.08    10.89    10.72      11.3      11.5
 13.0%     13.1%    13.2%    13.4%    14.0%     14.4%


 11.6%     11.8%    11.8%    12.1%    12.5%     12.9%
Rozkład aktywów krajowych banków komercyjnych według współczynnika wypłacalności
Assets of domestic commertial banks by the capital adequacy ratio

            Współczynnik wypłacalności
            Capital adequacy ratio
            poniżej 0 0 - 4%       4 - 8%     8 - 9%   9 - 10%   10 - 11%   11 - 12%   12 - 16%
             below 0
  12/2007        0.0%     0.0%         0.0%     1.3%      4.1%      7.6%      64.5%      18.7%
  12/2009        0.0%     0.0%         0.0%     1.8%      4.5%      7.8%      26.5%      51.7%
  12/2010        0.0%     0.0%         0.0%     0.0%      7.8%      6.3%      19.8%      37.8%
  12/2011        0.0%     0.0%         0.0%     1.5%      5.8%      9.0%      30.6%      39.6%
  04/2012        0.0%     0.0%         0.0%     0.0%      1.5%      9.0%       6.6%      51.2%
powyżej 16%
 above 16%
        3.8%
        7.7%
      28.3%
      13.5%
      31.7%
Zmiany (r/r) wybranych pozycji funduszy własnych banków krajowych
mld zł
Changes (y/y) in selected items of the regulatory capital of domestic banks
zloty billion
              Zobowiązania podporządkowane                Kapitał akcyjny i premia emisyjna
                      Subordinated debt                   Eguity capital and issue premium
      2005                                       -0.4                                      1.7
      2006                                        0.5                                      3.0
      2007                                        2.6                                      2.5
      2008                                        0.7                                      8.6
      2009                                        0.9                                      6.1
      2010                                        0.4                                      4.8
      2011                                        1.5                                      1.5
      2012                                        0.4                                      0.5
Zyski zatrzymane
Retained earnings
                      2
                    2.5
                    4.5
                    5.5
                    9.7
                    5.8
                    5.5
                    6.5
Wymogi kapitałowe na wybrane rodzaje ryzyka w bankach krajowych (w mld zł)
Capital requirements for selected types of risk in domestic banks
zloty billion

Wymogi kapitałowe z tytułu ryzyka kredytowego       Capital requirements against for credit risk
Wymogi kapitałowe z tytułu ryzyka rynkowego         Capital requirements against for market risk
Wymogi kapitałowe z tytułu ryzyka operacyjnego      Capital requirements against for operational risk
Wymogi kapitałow z tytułu innych ryzyk              Capital requirements against for other risk
3/2009    4/2009    5/2009    6/2009    7/2009    8/2009    9/2009    10/2009    11/2009    12/2009
 50.66     49.08     49.20     48.81     47.69     47.64     47.98      48.51      47.99      47.21
   1.13      1.07      1.08      1.05      0.93      0.89      0.87       0.92       0.90       0.85
   5.66      5.66      5.67      5.66      5.66      5.66      5.66       5.66       5.66       5.96
   0.23      0.29      0.31      0.66      3.97      3.86      3.93       3.82       0.14       0.10
1/2010    2/2010    3/2010    4/2010    5/2010    6/2010    7/2010    8/2010    9/2010    10/2010
 47.41     47.20     47.06     47.30     48.48     49.93     49.43     50.08     49.91      50.18
   0.94      0.91      0.83      0.88      0.94      0.99      1.01      1.03      1.04       1.05
   6.19      6.20      6.21      6.22      6.22      6.22      6.22      6.22      6.22       6.22
   0.10      0.09      0.08      0.08      0.28      0.17      0.15      0.10      0.10       0.10
11/2010    12/2010    1/2011    2/2011    3/2011    4/2011    5/2011    6/2011    7/2011    8/2011
  51.13      50.80     50.68     51.06     51.61     51.77     53.04     53.99     55.26     56.11
    1.02       0.96      0.89      0.94      1.03      1.02      1.08      1.01      1.02      1.00
    6.22       6.07      6.43      6.44      6.41      6.43      6.44      6.21      6.21      6.21
    0.11       0.22      0.10      0.11      0.15      0.17      0.15      0.11      0.12      0.13
9/2011    10/2011    11/2011    12/2011    1/2012    2/2012    3/2012    4/2012
 59.14      59.17      60.68      59.67     59.19     58.90     59.03     59.25
   1.03       1.00       1.05       0.98      0.97      0.94      0.91      0.94
   6.31       6.31       6.31       6.36      6.68      6.72      6.75      6.75
   0.20       0.19       0.20       0.48      0.53      0.54      0.14      0.11
Wskaźnik dźwigni finansowej w bankach komercyjnych
The financial leverage ratio in commercial banks

                         3/2008     4/2008     5/2008     6/2008     7/2008     8/2008     9/2008
                             9.31       8.81       8.84       9.35       9.00       9.49       8.28
Mediana                     12.08      11.92      11.58      11.80      11.88      11.52      11.31
Interquartile range          4.94       5.51       6.05       5.62       6.11       5.88       7.74
Mean                        13.13      13.08      13.22      13.11      12.92      13.10      12.55
10/2008 11/2008 12/2008    1/2009     2/2009     3/2009     4/2009     5/2009     6/2009     7/2009
    8.19    8.16    9.17       9.39       9.45       8.64       8.35       8.11       7.30       7.08
   12.32   12.31   12.62      13.06      13.54      13.67      13.35      13.00      12.40      12.66
    8.68    8.29    8.21       8.71       8.72       9.27       9.27       9.18      10.10       9.66
   13.39   13.33   13.39      13.93      13.88      13.34      12.88      12.80      12.03      11.66
8/2009     9/2009   10/2009 11/2009 12/2009    1/2010     2/2010     3/2010     4/2010     5/2010
    7.60       7.15     7.37    6.99    7.34       7.41       7.30       7.26       6.94       7.16
   11.77      12.26    11.75   12.07   12.10      11.94      11.94      11.80      12.03      11.86
    8.06       8.46     8.35    8.17    8.12       7.36       7.07       7.13       7.46       8.06
   11.72      11.72    12.01   11.85   11.65      11.38      11.23      10.89      11.15      11.43
6/2010     7/2010     8/2010     9/2010   10/2010 11/2010 12/2010    1/2011     2/2011     3/2011
    7.36       7.22       7.36       7.27     7.19    7.45    7.95       7.50       7.39       7.69
   11.50      10.57      10.87      10.72    10.75   10.75   10.85      11.26      11.42      11.09
    6.84       7.08       6.84       6.72     7.18    6.91    5.82       7.12       7.10       6.07
   11.75      11.17      11.27      11.30    11.30   11.31   11.27      11.36      11.49      11.39
4/2011     5/2011     6/2011     7/2011     8/2011     9/2011   10/2011 11/2011 12/2011    1/2012
    7.99       7.47       7.52       7.91       8.13       7.94     7.82    8.10    8.10       7.96
   11.17      11.37      11.44      11.07      11.46      11.38    11.57   11.62   11.53      11.51
    6.05       7.20       7.59       7.70       7.45       7.44     6.85    6.96    7.07       6.93
   11.27      11.48      11.48      11.72      11.82      11.91    11.87   12.26   11.96      11.32
2/2012     3/2012     4/2012
    8.23       8.06       8.07
   11.42      11.11      10.75
    6.78       6.60       5.97
   11.24      10.94      10.42
Aktywa banków komercyjnych uszeregowane według odsetka kredytów bez stwierdzonej utraty wartości, którego pogorszenie ja
Simulation I: assets of commercial banks by percentage of loans without identified impairment whose deterioration in quality wo

                       9/2011    12/2011      3/2012
               0%        0.0%       0.0%        0.0%
               1%        4.1%       6.7%        0.0%
               2%        9.8%       9.3%        2.7%
               3%      10.9%      13.0%         2.7%
               4%      14.6%      13.0%         2.7%
               5%      14.6%      15.0%         2.7%
               6%      19.4%      15.0%         8.7%
               7%      21.6%      18.6%       14.0%
               8%      24.7%      20.5%       16.4%
               9%      24.8%      26.1%       20.5%
              10%      47.5%      47.6%       24.8%
              11%      49.1%      48.9%       45.8%
              12%      49.1%      49.0%       45.8%
              13%      54.9%      54.4%       45.8%
              14%      55.0%      55.5%       51.5%
              15%      57.3%      55.7%       57.0%
              16%      57.6%      56.2%       57.6%
              17%      57.9%      56.2%       57.6%
              18%      57.9%      56.2%       57.8%
              19%      62.5%      68.0%       62.3%
              20%      62.5%      68.0%       62.3%
              21%      69.4%      68.0%       62.3%
              22%      69.4%      68.0%       62.3%
              23%      80.3%      79.1%       62.3%
              24%      80.3%      79.1%       73.4%
              25%      80.3%      79.1%       80.0%
              26%      80.3%      79.1%       80.0%
              27%      80.3%      79.1%       80.0%
              28%      80.3%      79.1%       80.0%
              29%      80.3%      79.1%       80.0%
              30%      80.3%      79.1%       80.1%
              31%      80.3%      79.2%       80.1%
              32%      80.4%      79.2%       80.1%
              33%      83.3%      85.1%       80.4%
              34%      83.3%      88.4%       81.0%
              35%      83.3%      88.4%       81.0%
              36%      90.7%      88.4%       81.0%
              37%      90.7%      88.4%       81.0%
              38%      90.7%      88.4%       81.0%
              39%      91.0%      88.4%       81.0%
              40%      91.0%      88.4%       87.6%
              41%      91.0%      88.4%       87.6%
              42%      91.0%      88.4%       87.6%
              43%      91.1%      88.7%       87.6%
              44%      91.1%      88.7%       87.6%
              45%      91.2%      88.7%       90.7%
              46%      91.2%      88.7%       90.7%
              47%      91.2%      88.7%       90.7%
              48%      91.3%      88.7%       90.7%
              49%      91.3%      88.9%       90.7%
              50%      91.3%      88.9%       90.7%
          51%   91.3%    88.9%   90.8%
          52%   91.3%    88.9%   90.8%
          53%   91.3%    88.9%   90.8%
          54%   91.3%    88.9%   90.8%
          55%   91.3%    88.9%   90.8%
          56%   91.3%    88.9%   90.8%
          57%   91.3%    88.9%   90.8%
          58%   91.3%    88.9%   90.8%
          59%   91.3%    88.9%   90.8%
          60%   91.3%    88.9%   90.8%
          61%   91.3%    88.9%   90.8%
          62%   91.3%    88.9%   90.8%
          63%   91.3%    88.9%   90.8%
          64%   91.3%    88.9%   90.8%
          65%   91.3%    88.9%   90.8%
          66%   91.3%    88.9%   90.8%
          67%   91.3%    88.9%   90.8%
          68%   91.3%    88.9%   90.8%
          69%   91.3%    88.9%   90.8%
          70%   91.3%    88.9%   90.8%
          71%   91.3%    88.9%   90.8%
          72%   91.3%    88.9%   90.8%
          73%   91.4%    88.9%   90.8%
          74%   91.4%    88.9%   90.8%
          75%   91.4%    88.9%   90.8%
          76%   91.4%    88.9%   90.8%
          77%   91.4%    88.9%   90.8%
          78%   91.4%    88.9%   90.8%
          79%   91.4%    88.9%   90.8%
          80%   91.4%    88.9%   91.0%
          81%   91.4%    88.9%   91.0%
          82%   91.4%    88.9%   91.0%
          83%   91.4%    88.9%   91.0%
          84%   91.4%    88.9%   91.0%
          85%   91.4%    88.9%   91.0%
          86%   91.4%    88.9%   91.0%
          87%   91.4%    88.9%   91.0%
          88%   91.4%    88.9%   91.0%
          89%   91.4%    88.9%   91.0%
          90%   91.4%    88.9%   91.0%
          91%   91.4%    88.9%   91.0%
          92%   91.4%    88.9%   91.0%
          93%   91.4%    88.9%   91.0%
          94%   91.4%    88.9%   91.0%
          95%   91.4%    88.9%   91.0%
          96%   91.4%    88.9%   91.0%
          97%   91.4%    88.9%   91.0%
          98%   91.4%    88.9%   91.0%
          99%   91.4%    88.9%   91.0%
         100%   91.4%    88.9%   91.0%
Więcej          92.1% 0.896609   91.6%
rtości, którego pogorszenie jakości spowodowałoby naruszenie norm adekwatności kapitałowej
se deterioration in quality would violate the capital adequacy norms
Przeciętny współczynnik wypłacalności banków komercyjnych w scenariuszach pogorszenia się jakości kredytów o stwierdzonej
Simulation II: average capital adequacy ratio of commercial banks in scenarios that assume deterioration in the quality of impair

                                         Scenariusz 1 –
                                                                   Scenariusz 2 –           Scenariusz 3 –
                 Współczynnik           odzyskanie 100%
                                                                  spadek wartości          spadek wartości
                 wypłacalności              wartości
                                                                zabezpieczeń o 25%       zabezpieczeń o 50%
                                         zabezpieczeń
                                                                   Scenario 2 – 25          Scenario 3 – 50
               Capital adequacy       Scenario 1 – recovery
                                                                 percent decline in       percent decline in
                     ratio             of 100% of security
                                                                  value of security        value of security
     3/2008                   10.9%                    10.4%                    10.3%                    10.1%
     6/2008                   10.7%                    10.2%                    10.0%                     9.8%
     9/2008                   11.5%                    11.0%                    10.8%                    10.6%
    12/2008                   11.0%                    10.3%                    10.1%                     9.8%
     3/2009                   10.9%                     9.7%                     9.4%                     9.1%
     6/2009                   12.3%                    10.8%                    10.5%                    10.2%
     9/2009                   12.1%                    10.9%                    10.6%                    10.3%
    12/2009                   13.3%                    11.8%                    11.4%                    11.0%
     3/2010                   14.2%                    12.7%                    12.3%                    11.9%
     6/2010                   13.3%                    11.8%                    11.4%                    10.9%
     9/2010                   14.0%                    12.3%                    11.9%                    11.5%
    12/2010                   13.9%                    12.3%                    11.9%                    11.4%
     3/2011                   13.9%                    12.5%                    12.1%                    11.7%
     6/2011                   13.7%                    12.3%                    11.9%                    11.5%
     9/2011                   13.2%                    11.9%                    11.5%                    11.0%
    12/2011                   13.1%                    11.8%                    11.3%                    10.9%
     3/2012                   13.8%                    12.6%                    12.1%                    11.6%
ości kredytów o stwierdzonej utracie wartości
 ation in the quality of impaired loans
Rozkład aktywów krajowych banków komercyjnych według współczynnika wypłacalności w scenariuszach pogorszania się jakoś
Simulation II: distribution of assets of commercial banks in scenarios of the deterioration in the quality of impaired loans accordin

                                                                                      Współczynnik wypłacalności
                                                                                         Capital adequacy ratio
                                       poniżej 0       0 - 4%       4 - 8%        8 - 9%      9 - 10%
                                       below 0
Dane rzeczywiste / Actual data              0.0%           0.0%          0.0%         0.0%          0.0%
Scenariusz 1 / Scenario 1                   0.0%           0.9%          0.0%         4.7%          3.8%
Scenariusz 2 / Scenario 2                   0.0%           0.9%          0.0%         5.6%          4.5%
Scenariusz 3 / Scenario 3                   0.0%           8.1%          0.0%         7.1%         21.5%
 scenariuszach pogorszania się jakości należności o stwierdzonej utracie wartości według danych na koniec marca 2012 r.
 the quality of impaired loans according to data as of March 2012

czynnik wypłacalności
 ital adequacy ratio
              10 - 11%    11 - 12%     12 - 16%     powyżej 16%
                                                     above 16%
                   1.6%       17.8%        56.0%            24.6%
                  20.1%       28.1%        17.8%            24.6%
                  25.8%       30.5%         8.3%            24.5%
                   5.8%       24.7%         8.3%            24.5%
iec marca 2012 r.
Porównanie struktury aktywów i zobowiązań krajowych banków komercyjnych i oddziałów instytucji kredytowych
Comparison of asset and liability structure of domestic commercial banks and branches of credit institutions

Aktywa (lewy panel)
Assets (left-hand panel)




Kredyty dla przedsiębiorstw                Loans to enterprises            A
Kredyty dla gospodarstw domowych           Loans to households             B
Kredyty dla sektora finansowego            Loans to financial sector       C
Dłużne papiery wartościowe1                Debt securities                 D
Instrumenty pochodne2                      Derivatives                     E
Pozostałe aktywa                           Other assets                    F



Zobowiązania (prawy panel)
Liabilities (right-hand panel)



Zobowiązania wobec sektora                 Liabilities to nonresidents
finansowego - nierezydentów                from financial sector           A
Zobowiązania wobec sektora                 Liabilities to residents from
finansowego - rezydentów                   financial sector                B
Zobowiązania wobec sektora                 Liabilities to nonfinancial
niefinansowego, rządowego i                sector and general
samorządowego                              government                      C
Zobowiązania z tytułu instrumentów
pochodnych2                                Derivatives                     D

Zobowiązania z tytułu własnej emisji       Issued debt securities          E
Pozostałe zobowiązania                     Other liabilities               F
i oddziałów instytucji kredytowych
branches of credit institutions




           Oddziały instytucji kredytowych     Krajowe banki komercyjne
           Branches of credit institutions     Domestic commercial banks
                                           28%                         20%
                                           12%                         37%
                                           22%                          6%
                                           25%                         16%
                                            8%                          1%
                                            4%                         20%




           Oddziały instytucji kredytowych    Krajowe banki komercyjne
           Branches of credit institutions    Domestic commercial banks

                                        43%                          15%

                                        11%                            8%


                                        18%                          63%

                                         8%                            1%

                                         0%                            4%
                                        20%                            8%
Średnie LTV kredytów mieszkaniowych nominowanych w CHF i złotowych udzielonych w danym kwartale
Average values of LTV of Swiss franc-denominated and zloty housing loans originated in a given quarter

                        Kredyty mieszkaniowe nominowane w CHF
                         Swiss franc-denominated housing loans
             W kwartale udzielenia kredytu             Obecnie
             In quarter of loan origination            Currently
 Q3 2006                               76.36%                               59.05%
 Q4 2006                               71.97%                               71.35%
 Q1 2007                               76.84%                               90.42%
 Q2 2007                               73.13%                               95.08%
 Q3 2007                               74.08%                              106.35%
 Q4 2007                               74.39%                              112.07%
 Q1 2008                               65.55%                               93.73%
 Q2 2008                               64.30%                              102.76%
 Q3 2008                               72.09%                              116.30%
 Q4 2008                               67.96%                               93.64%
 Q1 2009                               65.86%                               73.74%
 Q2 2009                               70.32%                               80.12%
 Q3 2009                               70.94%                               86.30%
 Q4 2009                               73.10%                               91.38%
 Q1 2010                               72.22%                               93.74%
 Q2 2010                               73.91%                               93.50%
 Q3 2010                               75.74%                               90.75%
 Q4 2010                               73.16%                               87.94%
 Q1 2011                               73.19%                               90.11%
 Q2 2011                               80.18%                               96.26%
 Q3 2011                               80.27%                               85.00%
 Q4 2011                               79.19%                               80.53%
udzielonych w danym kwartale
s originated in a given quarter

                                 Złotowe kredyty mieszkaniowe
                                       Zloty housing loans
               W kwartale udzielenia kredytu                Obecnie
               In quarter of loan origination              Currently
                                         67.28%                        37.95%
                                         64.00%                        44.45%
                                         67.02%                        55.24%
                                         64.17%                        56.11%
                                         68.77%                        65.94%
                                         70.23%                        67.38%
                                         57.53%                        52.98%
                                         53.15%                        51.67%
                                         60.19%                        57.37%
                                         65.75%                        63.44%
                                         62.28%                        59.36%
                                         62.83%                        59.47%
                                         70.20%                        66.42%
                                         72.49%                        70.31%
                                         71.75%                        71.35%
                                         67.89%                        68.57%
                                         67.60%                        68.17%
                                         65.16%                        65.59%
                                         64.12%                        67.26%
                                         68.06%                        71.55%
                                         70.74%                        73.66%
                                         70.04%                        70.48%
Skumulowane zmiany transakcyjnych cen mieszkań na rynku pierwotnym i wtórnym
Cumulative changes of transaction prices of flats on primary and secondary residential property markets

                        Rynek pierwotny                                     Rynek wtórny
                         Primary market                                  Secondary market
                                       Średnia 7                                         Średnia 7
                 Warszawa         największych miast               Warszawa         największych miast
                                 Average for 7 biggest                             Average for 7 biggest
                  Warsaw                 cities                     Warsaw                 cities
   9/2007                                                                   0.00%                   0.00%
  12/2007                                                                  -1.13%                  -0.38%
   3/2008                  -0.88%                    0.00%                 -2.36%                  -0.25%
   6/2008                   0.00%                   -1.09%                 -6.47%                  -5.98%
   9/2008                  -3.32%                   -1.14%                 -6.67%                  -6.84%
  12/2008                  -5.37%                   -4.51%                 -1.00%                  -2.37%
   3/2009                 -12.40%                  -10.20%                 -8.00%                  -8.35%
   6/2009                 -13.36%                  -10.51%                 -8.00%                  -8.93%
   9/2009                 -11.91%                  -11.17%                -13.00%                 -12.10%
  12/2009                 -10.82%                   -9.47%                 -7.01%                  -8.50%
   3/2010                  -5.08%                   -6.64%                 -5.66%                  -5.19%
   6/2010                  -7.40%                   -8.13%                 -2.23%                  -4.30%
   9/2010                  -7.79%                   -9.33%                 -7.05%                  -7.01%
  12/2010                 -13.59%                  -10.10%                -12.19%                  -9.70%
   3/2011                  -6.67%                   -6.53%                -13.37%                  -9.74%
   6/2011                 -12.59%                   -8.80%                -13.32%                  -9.25%
   9/2011                 -13.80%                  -10.01%                -13.32%                  -9.63%
  12/2011                 -16.09%                  -10.82%                -13.66%                 -10.44%
   3/2012                 -19.09%                  -13.75%                -16.81%                 -12.40%
Wartość sprzedanych wierzytelności w podziale na rodzaje kredytów
zł
Sales of debt by loan type
zloty


            Kredyty konsumpcyjne dla      Kredyty mieszkaniowe dla      Pozostałe kredyty dla
             gospodarstw domowych         gospodarstw domowych         gospodarstw domowych
                 Consumer loans                 Housing loans          Other household loans
     2010               1,628,655,615                     32,792,872                 87,293,535
     2011               3,587,341,702                     41,845,537               256,397,496
Kredyty przedsiębiorstw

 Loans for enterprises
              711,053,088
              943,310,242
Struktura sprzedanych wierzytelności według sposobu ujecia wierzytelności w sprawozdaniach finansowych banków: przedsiębiors
The structure of debt sales by the method of presenting in financial statements: loans for enterprises and households

                                                                           Przedsiębiorstwa
                                                                             Enterprises
                                                                           2010        2011
Bilansowe bez utraty wartości     Not impaired balance sheet loans
                                                                              0.73%        1.83%
Bilansowe z utratą wartości      Impaired balance sheet loans                48.00%       81.23%
                                 Loans removed from balance sheet
Spisane z bilansu i przeniesione
                                 and treated as off balance sheet
do ewidencji pozabilansowej
                                 items                                       51.28%       16.95%
wozdaniach finansowych banków: przedsiębiorstwa i gospodarstwa domowe
 s for enterprises and households

                   Gospodarstwa domowe
                       Households
                     2010        2011

                         0.27%       0.01%
                        76.93%      72.40%


                        22.80%      27.59%
Roczna dynamika kredytu mieszkaniowego dla gospodarstw domowych (lewy panel) i wskaźnik zagrożonych kredytów mieszkanio
Annual growth rate of housing loans (left panel) and impaired loan ratio for housing loans (right panel)

                                 Roczna dynamika
                                 kredytów              Wskaźnik
                                 mieszkaniowych (po    kredytów
            Roczna dynamika      wyeliminowaniu        zagrożonych
            kredytów             wpływu zmian kursów   (kredyty
            mieszkaniowych       walutowych)           mieszkaniowe)
                                 Annual growth rate of
                                 housing loans         Impaired loan
            Annual growth rate   (exchange rate        ratio (housing
            of housing loans     adjusted)             loans)
  12/2004                21.2%                  31.6%               3.3%
   3/2005                20.4%                  31.4%               3.2%
   6/2005                24.1%                  32.9%               3.0%
   9/2005                30.1%                  38.9%               2.9%
  12/2005                41.0%                  45.5%               2.7%
   3/2006                46.1%                  50.3%               2.4%
   6/2006                53.2%                  53.9%               2.2%
   9/2006                56.2%                  56.2%               2.0%
  12/2006                54.3%                  58.0%               1.8%
   3/2007                57.2%                  61.5%               1.6%
   6/2007                51.2%                  62.9%               1.4%
   9/2007                54.0%                  63.1%               1.3%
  12/2007                50.6%                  58.9%               1.2%
   3/2008                50.2%                  55.6%               1.1%
   6/2008                42.8%                  49.8%               1.1%
   9/2008                40.9%                  44.9%               1.0%
  12/2008                64.8%                  39.1%               1.0%
   3/2009                63.0%                  30.5%               1.1%
   6/2009                52.4%                  22.1%               1.2%
   9/2009                36.6%                  15.4%               1.4%
  12/2009                11.6%                  12.5%               1.5%
   3/2010                 2.6%                  12.7%               1.5%
   6/2010                17.8%                  13.7%               1.6%
   9/2010                18.5%                  13.8%               1.8%
  12/2010                23.1%                  13.8%               1.8%
   3/2011                22.7%                  13.3%               2.0%
   6/2011                15.4%                  12.6%               2.1%
   9/2011                24.2%                  11.2%               2.2%
  12/2011                19.2%                    9.6%              2.4%
anel) i wskaźnik zagrożonych kredytów mieszkaniowych (prawy panel)
 ng loans (right panel)
Symulowane zmiany hipotetycznego wskaźnika kredytów zagrożonych podczas boomu kredytowego i po boomie (lewy panel) o
Simulating the hypothetical impaired loan ratio during a credit boom (left panel) and comparing the true impaired loan ratio with t


                                  Wskaźnik
              Wskaźnik            uwzględniający
              kredytów            jedynie dynamikę
              zagrożonych         kredytu
                                  Ratio affected
              Impaired loan       only by credit
              ratio               dynamics
    12/2004                3.3%                3.3%
     3/2005                3.2%                3.2%
     6/2005                3.0%                3.1%
     9/2005                2.9%                3.0%
    12/2005                2.7%                2.8%
     3/2006                2.4%                2.7%
     6/2006                2.2%                2.5%
     9/2006                2.0%                2.4%
    12/2006                1.8%                2.4%
     3/2007                1.6%                2.3%
     6/2007                1.4%                2.2%
     9/2007                1.3%                2.1%
    12/2007                1.2%                2.1%
     3/2008                1.1%                2.1%
     6/2008                1.1%                2.1%
     9/2008                1.0%                2.1%
    12/2008                1.0%                1.8%
     3/2009                1.1%                1.8%
     6/2009                1.2%                2.0%
     9/2009                1.4%                2.2%
    12/2009                1.5%                2.3%
     3/2010                1.5%                2.5%
     6/2010                1.6%                2.3%
     9/2010                1.8%                2.5%
    12/2010                1.8%                2.5%
     3/2011                2.0%                2.6%
     6/2011                2.1%                2.6%
     9/2011                2.2%                2.6%
    12/2011                2.4%                2.7%
go i po boomie (lewy panel) oraz porównanie rzeczywistego wskaźnika kredytów zagrożonych ze symulowanym wskaźnikiem uwzględniający
 true impaired loan ratio with the simulated impaired loan ratio affected only by credit dynamics (right panel)
skaźnikiem uwzględniającym wyłącznie dynamikę kredytu (prawy panel)
Wartość kredytów, depozytów i zobowiązań z tytułu emisji w sektorze banków komercyjnych
mld zł
Loans, deposits and debt securities issued by commercial banks
zloty billion

                              Zobowiązania z
          Kredyty    Depozyty tytułu emisji
                             Debt securities
          Loans     Deposits issued
12-1997      105.30   161.19            2.61
12-1998      136.12   208.18            1.67
12-1999      173.79   241.43            1.28
12-2000      193.82   277.98            2.08
12-2001      209.19   310.11            2.76
12-2002      216.08   305.97            3.79
12-2003      236.68   316.18            5.24
12-2004      246.84   335.30            6.52
12-2005      270.13   366.89            9.43
12-2006      337.46   416.35          14.10
12-2007      443.17   472.96          10.56
12-2008      612.22   559.61          10.22
12-2009      655.59   625.61            9.60
12-2010      719.00   680.90            9.10
12-2011      834.42   756.66          15.23
Średnia zapadalność należności i wymagalność zobowiązań w sektorze banków komercyjnych
lata
Average maturity of receivables and liabilities of commercial banks
years
                                                      Zobowiązania 12-2011 Należności 12-2011
                                                      Liabilities 12-2011      Receivables 12-2011
Gospodarstwa domowe          Households                                   0.17                 10.76
Sektor rządowy               Government sector                            0.05                  7.62
Przedsiębiorstwa             Enterprises                                  0.10                  3.45
Sektor finansowy             Financial sector                             2.27                  0.70
Zobowiązania 12-2005 Należności 12-2005
Liabilities 12-2005      Receivables 12-2005
                    0.27                  6.05
                    0.08                  3.38
                    0.26                  3.39
                    1.19                  0.40
Wpływ kosztów emisji obligacji długoterminowych na rozkład wskaźnika RoE w bankach komercyjnych
Udział w aktywach banków komercyjnych
Impact of debt issuance costs on distribution of RoE of commercial banks
Share in commercial bank assets

                              Dane rzeczywiste (12-2011)  Wariant I     Wariant II    Wariant III
                              Actual data (12-2011)       Scenario 1    Scenario 2    Scenario 3
Poniżej -10%   below -10%                              1%            3%            1%             3%
-10% - 0%      -10% - 0%                               2%            5%           11%           12%
0% - 10%       0% - 10%                               24%           25%           14%           18%
10% - 20%      10% - 20%                              47%           40%           49%           41%
Powyżej 20%    above 20%                              17%           17%           16%           16%
Wskaźnik ROE w sektorze bankowym i sektorze niebankowych instytucji finansowych w Polsce
Returb on equity in banking sector and nonbanking financial institutions in Poland


                   12/2009     12/2010     12/2011
TFI                   33.7%       37.6%       45.2%
PTE                   23.7%       17.3%       19.4%
ZU                    22.7%       21.8%       19.8%
Banki/Banks           10.5%       12.4%       15.1%
Tempo wzrostu składki przypisanej brutto w sektorze ubezpieczeń
Growth rate of gross written premium in the insurance sector

                                   12/2009      12/2010    12/2011
Ubezpieczenia Life insurance
                                       -22.3%       3.8%          1.4%
na życie      sector
              Non-life
Ubezpieczenia
              insurance                  3.7%       8.0%     11.3%
majątkowe
              sector
Struktura lokat zakładów ubezpieczeń
Structure of investments of insurance companies

                                                  Ubezpieczenia na życie / Life insurance Ubezpieczenia majątkowe / Non
                                                       12-2010             12-2011            12-2010
Inne lokaty             Other investments               2.5%                1.7%               2.1%
Nieruchomości           Real estate                     0.8%                0.8%               2.3%
Jednostki               Investment funds'               3.8%                7.8%               5.2%
Lokaty terminowe        Bank term deposits              23.0%               20.6%              4.8%
Akcje i udziały         Equities                        3.0%                2.7%               3.3%
Lokaty w jednostkach    Investments in                  3.1%                3.2%               20.3%
Dłużne papiery          Debt securities                 63.9%               63.2%              62.0%
czenia majątkowe / Non-life
                   12-2011
                     3.0%
                     2.0%
                     5.5%
                     6.9%
                     2.3%
                    18.0%
                    62.3%
Rozkład wskaźnika monitorowania działalności w dziale ubezpieczeń na życie
Distribution of the activity monitoring ratio in the life insurance sector

            12-2009    12-2010    12-2011
<100%          0.03%      0.04%      0.04%
100-150%     20.35%     31.48%       7.59%
150-200%     14.09%     16.42%       9.71%
200-250%     17.62%       1.74%    10.45%
250-300%       0.12%      0.00%    11.60%
>300%        47.80%     50.33%     60.61%
Rozkład wskaźnika monitorowania działalności w dziale ubezpieczeń majątkowych
Distribution of the activity monitoring ratio in the non-life insurance sector

            12-2009    12-2010    12-2011
<100%          2.10%      1.98%      0.00%
100-150%     17.76%     27.41%     27.66%
150-200%     16.10%     19.13%     20.02%
200-250%     16.36%       1.86%      4.62%
250-300%       4.03%      9.91%    10.03%
>300%        43.64%     39.71%     37.67%
Rentowność techniczna PTE a wartość zarządzanych aktywów OFE
Technical profitability of pension fund management companies versus open pension funds' assets

 Aktywa netto OFE (mld zł)             Rentowność techniczna
OFE net assets (zloty billion)          Technical profitability
                          9.69                                     32.35%
                          6.73                                     36.78%
                         17.44                                     47.27%
                         51.27                                     64.80%
                         14.14                                    -31.37%
                         11.27                                     29.24%
                         53.30                                     59.39%
                         10.08                                     -8.67%
                          3.39                                     40.88%
                          7.56                                      0.13%
                          4.26                                     43.57%
                          2.00                                     46.49%
                         30.52                                     33.20%
                          3.06                                     -7.71%
Relacja kapitałów własnych PTE do aktywów netto zarządzanych przez nie OFE w zestawieniu z wielkością aktywów netto tych
Ratio of pension fund management companies’ capital to open pension funds' net assets they manage versus funds` assets (in

Aktywa OFE (mld zł) Kapitał PTE/Aktywa OFE (w %)
OFE net assets (zloty
billion)              PTE capital/OFE net assets (in %)
                 9.69                             5.83
                 6.73                             2.88
                17.44                             1.96
                51.27                             0.73
                14.14                             0.82
                11.27                             2.16
                53.30                             0.99
                10.08                             0.54
                 3.39                             1.58
                 7.56                             3.18
                 4.26                             1.10
                 2.00                             5.25
                30.52                             0.91
                 3.06                             1.21
niu z wielkością aktywów netto tych OFE
ey manage versus funds` assets (in %)
Relacja kapitałów PTE do wartości aktywów zarządzanych przez nie OFE
Ratio of pension fund management companies’ capital to open pension funds' assets they manage

             Średnia ważona    Minimum Maksimum Mediana               Pierwszy kwartyl
             Weighted average Minimum Maximum     Median                First quartile
  2007                   1.75%    0.67%     4.35%   2.26%                          1.53%
  2008                   2.21%    0.67%   10.15%    2.40%                          1.68%
  2009                   1.80%    0.59%     8.61%   1.51%                          1.29%
  2010                     1.56%      0.57%        6.82%      1.52%                1.09%
  2011                     1.41%      0.54%        5.83%      1.40%                0.93%
nds' assets they manage

                     Odstęp międzykwartylowy
                        Interquartile range
                                          1.95%
                                          2.07%
                                          2.86%
                                          1.40%
                                          1.77%
Struktura portfeli inwestycyjnych OFE
Structure of investment portfolios of open pension funds


            Skarbowe papiery             Inwestycje
            wartościowe         Akcje    zagraniczne      Inne
            Treasury securities Equity                    Other
                                         Foreign investments
   9/2008               67.19%    24.58%            0.99%     7.24%
  12/2008               73.45%    21.31%            0.64%     4.59%
   3/2009               74.13%    20.34%            0.61%     4.92%
   6/2009               70.14%    24.24%            0.77%     4.85%
   9/2009               66.51%    27.50%            0.81%     5.19%
  12/2009               61.61%    30.03%            0.74%     7.62%
   3/2010               59.38%    32.11%            0.93%     7.58%
   6/2010               56.71%    36.64%            0.82%     5.84%
   9/2010               54.06%    33.30%            0.80%    11.84%
  12/2010               52.36%    35.97%            0.69%    10.99%
   3/2011               52.38%    36.47%            0.84%    10.32%
   6/2011                51.82%     35.34%                 0.84%   12.00%
   9/2011                53.46%     30.98%                 0.54%   15.02%
  12/2011                52.93%     30.64%                 0.48%   15.95%
   3/2012                50.84%     33.60%                 0.57%   14.98%

				
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