In 2013, the Bank maintained its leading position in respect of its share in the deposit market, which amounted to 16.3%.
In 2013, the Bank maintained its leading position in respect of its share in the deposit market, which amounted to 16.3%. At the same time, the decrease in the market share in respect of deposits is connected with diversification of sources of funding in PKO Bank Polski SA. As regards loans, market shares stabilised at the level of 16.1% along with an increase in shares in respect of retail clients (+0.1 pp.).
Increase in shares in respect of retail client’s loans was determined by the increase in housing loans (+0.6 pp.), along with the decrease of share of consumer loans (-1.2 pp.), mainly due to a significant increase in the consumer loan for individuals market related to a one-off transaction which took place on the banking market in September 2013 – loans from a non-banking company belonging to one of the financial institutions in the amount of ca. PLN 2.0 billion were included in the volumes of the banking system.
Market shares of PKO Bank Polski SA
| 31.12.2013 | 31.12.2012 | 31.12.2011 | Change 2013/2012 | |
|---|---|---|---|---|
| Loans for: | 16.1 | 16.1 | 16.2 | 0 pp. |
| retail clients, of which: | 19.1 | 19.0 | 19.2 | 0.1 pp. |
| housing | 20.6 | 20.0 | 19.9 | 0.6 pp. |
| in Polish zloty | 28.4 | 28.6 | 30.6 | -0.2 pp. |
| in foreign currencies | 12.8 | 12.9 | 13.2 | -0.1 pp. |
| consumer and other | 15.4 | 16.6 | 17.6 | -1.2 pp. |
| corporate clients | 13.1 | 13.2 | 13.1 | -0.1 pp. |
| Deposits for: | 16.3 | 16.8 | 17.8 | -0.5 pp. |
| retail clients | 21.7 | 21.8 | 22.3 | -0.1 pp. |
| corporate clients | 9.4 | 10.2 | 12.1 | -0.8 pp. |
* Data source: NBP reporting system – WEBIS.