In 2023, the Bank’s Group:
- increased its share of the lending market in terms of volume for both individuals and institutional entities;
- reached a record level of mortgage sales (nearly PLN 22 billion), bringing its market share to nearly 36%;
- increased its share in the savings market of both private individuals and institutional entities;
- maintained its share in the market of investment funds for individuals at above 20%;
Market share
| 31.12.2023 | 31.12.2022 | 31.12.2021 | 31.12.2020 | 31.12.2019 | Change 2023/2022 | |
|---|---|---|---|---|---|---|
| Loans for: | 18.1% | 17.0% | 17.4% | 17.6% | 17.9% | 1.1 p.p. |
| 1. individuals, of which: | 22.6% | 21.4% | 21.9% | 22.4% | 22.8% | 1.2 p.p. |
| – housing | 24.2% | 22.8% | 23.7% | 24.9% | 25.8% | 1.4 p.p. |
| PLN | 25.0% | 23.8% | 24.7% | 26.3% | 27.6% | 1.2 p.p. |
| foreign currency | 19.8% | 18.9% | 20.1% | 20.8% | 21.0% | 0.9 p.p. |
| – consumer and other, of which: | 18.7% | 17.8% | 17.1% | 16.5% | 16.3% | 0.9 p.p. |
| overdraft facilities | 35.7% | 35.5% | 34.1% | 32.7% | 32.4% | 0.2 p.p. |
| 2. institutional entities | 14.0% | 13.0% | 12.8% | 12.6% | 13.1% | 1 p.p. |
| Non-Treasury debt securities (indebtedness) | 33.2% | 30.8% | 29.3% | 30.2% | 30.7% | 2.4 p.p. |
| Mortgage loans (sales) | 35.9% | 20.4% | 19.8% | 19.7% | 25.7% | 15.5 p.p. |
| Total savings1, of which: | 21.3% | 20.0% | 19.2% | 18.3% | 18.3% | 1.3 p.p. |
| – savings of individuals2 | 29.2% | 28.1% | 25.6% | 24.3% | 22.6% | 1.1 p.p. |
| Deposits: | 18.9% | 17.6% | 17.8% | 17.3% | 17.9% | 1.3 p.p. |
| individuals | 24.6% | 23.3% | 22.5% | 21.9% | 20.8% | 1.3 p.p. |
| institutional entities | 12.3% | 11.2% | 12.3% | 11.5% | 13.8% | 1.1 p.p. |
| TFI assets – funds of individuals3 | 20.1% | 20.6% | 19.9% | 18.9% | 19.5% | -0.5 p.p. |
| Brokerage activities – transactions on secondary market | 9.7% | 9.2% | 12.3% | 11.2% | 7.5% | 0.5 p.p. |
Source: NBP, WSE, PBA, Analizy Online
1 Total savings comprise total deposits, TFI assets and retail savings bonds.
2 Savings of individuals include deposits of individuals, funds of individuals and saving Treasury bonds.
3 In 2021 the market data changed due to the change in the status of two funds into funds for individuals. The data for the prior period was recalculated.
1 Total savings comprise total deposits, TFI assets and retail savings bonds.
2 Savings of individuals include deposits of individuals, funds of individuals and saving Treasury bonds.
3 In 2021 the market data changed due to the change in the status of two funds into funds for individuals. The data for the prior period was recalculated.