Market position

In 2022, the Bank’s Group:

maintained a high share in the loan market both in terms of volume and sales of selected products;
increased its share in the savings market for individuals;
maintained its position as leader on the market of investment funds for individuals and the sale of mortgage loans.

17.0

%

Loans
market

20.0

%

Savings
market

20.4

%

Mortages
sales market

20.6

%

TFI assets – funds
of individuals

	31.12.2022	31.12.2021	31.12.2020	31.12.2019	31.12.2018	Change 2022/2021
Loans for:	17.0%	17.4%	17.6%	17.9%	17.6%	-0.4 p.p.
1. individuals, of which:	21.4%	21.9%	22.4%	22.8%	22.9%	-0.5 p.p.
housing	22.8%	23.7%	24.9%	25.8%	26.1%	-0.9 p.p.
PLN	23.8%	24.7%	26.3%	27.6%	28.3%	-0.9 p.p.
foreign currency	18.9%	20.1%	20.8%	21.0%	21.0%	-1.2 p.p.
consumer and other, of which:	17.8%	17.1%	16.5%	16.3%	15.8%	0.7 p.p.
overdraft facilities	35.5%	34.1%	32.7%	32.4%	32.1%	1.4 p.p.
2. institutional entities	13.0%	12.8%	12.6%	13.1%	12.7%	0.2 p.p.
Non-Treasury debt securities (indebtedness)	30.8%	29.3%	30.2%	30.7%	32.4%	1.5 p.p.
Mortgage loans (sales)	20.4%	19.8%	19.7%	25.7%	28.9%	0.6 p.p.
Total savings¹⁾ , of which:	20.0%	19.2%	18.3%	18.3%	18.4%	0.8 p.p.
savings of individuals²⁾	28.1%	25.6%	24.3%	22.6%	22.0%	2.4 p.p.
Deposits:	17.6%	17.8%	17.3%	17.9%	18.1%	-0.2 p.p.
individuals	23.3%	22.5%	21.9%	20.8%	20.2%	0.8 p.p.
institutional entities	11.2%	12.3%	11.5%	13.8%	15.2%	-1.1 p.p.
TFI assets – funds of individuals³⁾	20.6%	19.9%	19.2%	19.5%	21.5%	0.7 p.p.
Brokerage activities – transactions on secondary market	9.2%	12.3%	11.2%	7.5%	7.7%	-3.1 p.p.

Source: NBP, WSE, ZBP, 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.

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