Potencjał działalności kredytowej sektora bankowego w obliczu pandemii COVID-19. Perspektywa credit crunch

Czechowska, Iwona Dorota; Lipiński, Czesław; Stawska, Joanna; Zatoń, Wojciech

doi:10.18778/8220-777-4

Cited by 3 publications

(3 citation statements)

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“…From the asset perspective, as in the intermediation perspective, banks offer various types of deposits and investments, using deposits, labour and fixed assets. On the other hand, from the user cost perspective, outlays and effects are determined by their nature (Czechowska et al, 2022).…”

Section: Dea: a Brief Descriptionmentioning

confidence: 99%

Efficiency of banking sectors of the European Union. A comparative benchmarking analysis before and during the COVID-19 pand

Czechowska¹,

Florczak²

2022

JESI

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The banking industry is a crucial sector for any country's economic growth. Therefore, it is essential to study factors that affect bank performance as the findings of this research help regulators and managers make better decisions. Thus, the paper will aim to determine the efficiency level of the banking sectors of the 27 EU countries before and during the COVID-19 pandemic. The article applies the non-parametric Data Envelopment Analysis (DEA) method to measure the performance and efficiency of banking sectors belonging to 27 EU countries. The operationalisation of the objective/methodology will be done by using data from the Eurostat database. The authors will verify the research hypothesis that the number of efficient banking sectors in the EU during the COVID-19 pandemic is lower than before the pandemic. The research period covers years between 2008-2020. The hypothesis was verified negatively because the number of efficient banking sectors during the COVID-19 pandemic was higher than previously. The number of effective banking sectors in the research period wasn't constant. Six effective banking sectors operated in 2020 (the first year of the COVID-19 pandemic), one even more effectively than in 2019. Those effective ones in the entire study period were banking sectors from Cyprus, Luxembourg and Romania.

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Section: Dea: a Brief Descriptionmentioning

confidence: 99%

Efficiency of banking sectors of the European Union. A comparative benchmarking analysis before and during the COVID-19 pand

Czechowska¹,

Florczak²

2022

JESI

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“…Such a situation is referred to by the term credit crunch (CC). In financial practice, this means a so-called credit collapse, or an extraordinary, excessive reduction in the supply of credit [Czechowska et al 2022]. So is credit crunch a real dilemma for the Polish banking sector?…”

Section: Introductionmentioning

confidence: 99%

Dilemmas of Bank Activities Under Economic Uncertainty – Selected Examples From the Polish Market During the Pandemic Period

Klus,

Rogalińska,

Stefański

et al. 2023

Annals PAAAE

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The paper discusses the issue of identifying selected aspects of banking sector activity in Poland under conditions of economic uncertainty. In terms of time scope, the conditions of the pandemic were taken into account, including the years 2018-2020. In an attempt to identify the most important business dilemmas of banking, the case study of PKO BP bank has been selected for analysis. Based on its own research, it was noted that the year 2020, precisely because of the coronavirus pandemic, somehow forced sectoral changes in the financial enterprise management. The study verified the hypothesis that the bank’s overall financial performance is affected not only by management decisions, but also by external factors that are difficult to predict. Institutional decisions of the central bank and the government are also a consequence of macroeconomic uncertainty. It was noted that as a result of the National Bank of Poland’s monetary policy in 2020, the evaluated bank PKO BP reported, compared to 2019, a financial loss (almost -3.0 billion PLN), including: a decrease in general revenues (-9.05%), as well as a decrease in interest income due (-6.90%). Finally, based on the descriptive analysis and the discussion of the study results, the most important conclusions and recommendations were formulated.

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“…Based on research released in the Economic Alert, Poland's economy has characteristics that should allow it to cope with a pandemic much better than most other countries. These features include: strong sectoral diversification; a low share of tourism in GDP; a floating exchange rate, the weakness of which limits the decline in exporters' revenues; a current account balance, which in turn prevents excessive weakening of the zloty threatening the solvency of entities with liabilities in foreign currencies; an excess of imports over exports of energy resources, whose prices have collapsed 4 .…”

Section: Introductionmentioning

confidence: 99%

Change in the Level of Corporate Lending in Poland During the Covid-19 Pandemic

Śliwa

Kłosowska

2022

pefim

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The main theme undertaken in this paper is the assessment of the impact of the COVID-19 pandemic on corporate lending. The main objective of the article is to analyze the qualitative and quantitative changes in the level of corporate lending in Poland. The author focuses, on the one hand, on the ability of firms to incur liabilities and, on the other hand, on the changes in bank lending rules over the course of a changing economic reality burdened by the crisis caused by the pandemic. The individual analyses also show a broader comparative context by referring to statistical data before the onset of the virus crisis. In the case under review, uncertainty about the health of the MSP sector during the crisis weighed on the tightening of credit policy. An increase in demand for bank financing in the pandemic period was reported by both large companies and micro enterprises. However, only in the case of the former did the availability of loans increase. As a result, the gap between the availability of bank loans to large firms and the MSP sector widened.

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Potencjał działalności kredytowej sektora bankowego w obliczu pandemii COVID-19. Perspektywa credit crunch

Cited by 3 publications

References 0 publications

Efficiency of banking sectors of the European Union. A comparative benchmarking analysis before and during the COVID-19 pand

Efficiency of banking sectors of the European Union. A comparative benchmarking analysis before and during the COVID-19 pand

Dilemmas of Bank Activities Under Economic Uncertainty – Selected Examples From the Polish Market During the Pandemic Period

Change in the Level of Corporate Lending in Poland During the Covid-19 Pandemic

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