Koniunktura w bankowości : październik - grudzień 2015 Prace i Materiały Instytutu Rozwoju Gospodarczego SGH

Abstract

In the 3rd quarter of 2015 the IRG SGH banking confidence indicator (IRGBAN) increased from -17,7 pts to 30,6 pts. That was mainly due to an increase in the balances of employment and the result on banking activity. The third component of the indicator - the balance of profits contributed to the increase to a lesser degree. The increase makes a sharp rise in the indicator's volatility in the last quarters. There are more bright spots in the condition of the banking sector. First of all, the quality of liabilities stabilized and there is no potential threat from it to banks' profits. Second, banks started to rebuild their investment position. One the other hand, according to the surveyed banks, demand for their services is still insufficient, and the impact of legal barriers to banking activity is continuously increasing.(original abstract)