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英文調查報告書

波蘭的消費者金融市場

Consumer Finance in Poland

出版商 Euromonitor International 聯絡我們
出版日期 2009/03 內容資訊 Tables: 146
商品編碼 97659
價格 US $ 1,600 ~ Price List
US $ 1,600 PDF by E-mail (Single User License)
如何訂購
本頁所標示之售價為不含購買者所在地消費稅之未稅價格，相關消費稅金將另行加至交易金額中
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PDF by E-Mail
2個工作天後到貨
Hard Copy/CD-ROM
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此出版品為英文撰寫

Why buy this report

  • Get insight into trends in market performance
  • Pinpoint growth sectors and identify factors driving change
  • Identify market and brand leaders and understand the competitive environment

Product coverage

Consumer lending; Financial cards and payments

Executive summary

Poles More Accustomed to Cashless Transactions

In Poland financial cards are predominantly utilised to withdraw cash from ATMs. However, cashless transactions are developing at a rapid pace in both value and volume terms. The use of financial cards is becoming an essential aspect of modern life in Poland. Cards are increasingly being used to make payments, even for small items. The growing popularity of credit and pre-paid cards and greater usage of debit cards for everyday payments will drive the further development of cashless transactions.

Increasing Debit Card Usage

The growing popularity of debit cards has contributed to financial cards taking share from cash transactions. Operators who organise lotteries for clients who actively use their cards are playing a significant part in the popularisation of debit payments. Debit cards are also increasingly being used to make payments on the internet.

Visa and PKO Bank Polski the Leaders in the Polish Market

Visa International Service Association maintained its leading position with regard to the number of financial cards and transactions. Visa cards were issued by over 40 banks in Poland at the beginning of 2008. PKO Bank Polski remained the biggest card issuer. Even the largest merger in Polish banking history of Bank Pekao SA and Bank BPH SA, the result of which was the establishment of the biggest bank in terms of assets, did not stop PKO Bank Polski from retaining its leading position.

Card Infrastructure Improving

In Poland the number of ATMs and POS terminals is much lower than in Western European countries. In particular, the shortage of machines is noticeable in small and medium-sized localities. The financial card infrastructure in tourist areas, which are visited mainly during the holiday season, is also insufficient. The growing number of POS terminals is due to growing demand from consumers and retailers and intensifying activity from acquirers which are increasingly reducing lease costs.

  • CONSUMER FINANCE IN POLAND : MARKET INSIGHT
  • EXECUTIVE SUMMARY
  • Poles More Accustomed to Cashless Transactions
  • Increasing Debit Card Usage
  • Visa and PKO Bank Polski the Leaders in the Polish Market
  • Card Infrastructure Improving
  • KEY TRENDS AND DEVELOPMENTS
  • Poles Are Becoming More Accustomed to Plastic Money
  • Cash Still Remains the Most Important Method of Payment
  • The Launch of M-commerce and Contactless Cards
  • Implementation of Smart Cards Accelerates Considerably
  • Low Merchant Acceptance Continually Increasing
  • Low Banked Population Rate in Poland
  • MARKET DATA
    • Table 1 Consumer Payments: Value 2003-2008
    • Table 2 Financial Cards: Number of Cards in Circulation 2003-2008
    • Table 3 Financial Cards Transactions: Value 2003-2008
    • Table 4 Financial Cards: Number of Transactions 2003-2008
    • Table 5 Financial Cards: Number of Accounts 2003-2008
    • Table 6 Financial Cards: Number of Cards by Issuer 2003-2007
    • Table 7 Financial Cards: Number of Cards by Operator 2003-2007
    • Table 8 Financial Cards: Card Payment Transaction Value by Operator 2003-2007
    • Table 9 Financial Cards: Card Payment Transactions by Acquirer 2003-2007
    • Table 10 Consumer Payments Forecast: Value 2008-2013
    • Table 11 Financial Cards Forecast: Number of Cards in Circulation 2008-2013
    • Table 12 Financial Cards Forecast: Value 2008-2013
    • Table 13 Financial Cards Forecast: Number of Transactions 2008-2013
    • Table 14 Financial Cards Forecast: Number of Accounts 2008-2013
  • MARKET INDICATORS
    • Table 15 Number of POS Terminals 2004-2008
    • Table 16 Number of ATMs 2004-2008
    • Table 17 Disposable Income 2003-2008
    • Table 18 Value Lost to Fraud 2003-2008
    • Table 19 Acquirer Fraud 2003-2008
    • Table 20 Card Expenditure by Location 2008
    • Table 21 Card Expenditure by Sector 2008
    • Table 22 Financial Cards in Circulation by Type: % Number of Cards 2004-2008
    • Table 23 Domestic versus Foreign Spend 2008
  • DEFINITIONS
    • Summary 1 Research Sources
  • CONSUMER LENDING IN POLAND
  • EXECUTIVE SUMMARY
  • Domestic demand is the main driver of credit growth
  • Retail and commercial banks compete for customers
  • Non-performing loans drop over the review period
  • Financial advisors play an important role in consumer credit
  • Higher individual consumption is the main driver of credit growth
  • KEY TRENDS AND DEVELOPMENTS
  • Consumer lending boom remains strong in Poland
  • The non-performing loan ratio shows a downward trend
  • Recovery in lending for automobile purchases
  • More young adults seek consumer credit
  • The EU Consumer Credit Directive favours consumers
  • Outstanding mortgages/housing credit rises in Poland
  • MARKET DATA
    • Table 24 Consumer Lending By Sector: Outstanding Balance: Value 2003-2008
    • Table 25 Consumer Lending By Sector: Outstanding Balance: % Value Growth 2003-2008
    • Table 26 Consumer Lending By Sector: Gross Lending: Value 2003-2008
    • Table 27 Consumer Lending By Sector: Gross Lending: % Value Growth 2003-2008
    • Table 28 Consumer Lending: Non-performing vs Other Loans 2003-2008
    • Table 29 Mortgages/Housing: Non-performing vs Other Loans 2003-2008
    • Table 30 Consumer Credit: Non-performing vs Other Loans 2003-2008
    • Table 31 Forecast Consumer Lending By Sector: Outstanding Balance: Value 2008-2013
    • Table 32 Forecast Consumer Lending By Sector: Outstanding Balance: % Value Growth 2008-2013
    • Table 33 Forecast Consumer Lending By Sector: Gross Lending: Value 2008-2013
    • Table 34 Forecast Consumer Lending By Sector: Gross Lending: % Value Growth 2008-2013
  • DEFINITIONS
    • Summary 2 Research Sources
  • LOCAL COMPANY PROFILES - POLAND
  • BANK ZACHODNI WBK SA - FINANCIAL CARDS AND PAYMENTS - POLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 3 Bank Zachodni WBK SA: Key Facts
    • Summary 4 Bank Zachodni WBK SA: Operational Indicators
  • (Financial Figures for the Bank Zachodni WBK Group) 2005-2007
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • FIOLET SA - FINANCIAL CARDS AND PAYMENTS - POLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 5 Fiolet SA: Key Facts
    • Summary 6 Fiolet SA: Operational Indicators 2006-2007
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • LUKAS SA - FINANCIAL CARDS AND PAYMENTS - POLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 7 Lukas Bank SA: Key Facts
    • Summary 8 Lukas Bank SA: Operational Indicators 2005-2007
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • PEKAO SA - FINANCIAL CARDS AND PAYMENTS - POLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 9 Bank Pekao SA: Key Facts
    • Summary 10 Bank Pekao SA: Operational Indicators 2005-2007
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • PKO BANK POLSKI SA - FINANCIAL CARDS AND PAYMENTS - POLAND
  • STRATEGIC DIRECTION
  • KEY FACTS
    • Summary 11 PKO Bank Polski SA: Key Facts
    • Summary 12 PKO Bank Polski SA: Operational Indicators 2005-2007
  • COMPANY BACKGROUND
  • COMPETITIVE POSITIONING
  • ATM TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 35 ATM Cards Sector Performance: 2003-2008
    • Table 36 ATM Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 37 ATM Cards Sector Performance: % Growth 2003-2008
    • Table 38 ATM Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 39 ATM Cards Forecast Sector Performance: 2008-2013
    • Table 40 ATM Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 41 ATM Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 42 ATM Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • DEBIT TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 43 Debit Cards Sector Performance: 2003-2008
    • Table 44 Debit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 45 Debit Cards Sector Performance: % Growth 2003-2008
    • Table 46 Debit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 47 Debit Cards: Number of Cards by Issuer 2003-2007
    • Table 48 Debit Cards: Number of Cards by Operator 2003-2007
    • Table 49 Debit Cards Transactions by Acquirer 2003-2007
    • Table 50 Debit Cards Payment Transaction Value by Operator 2003-2007
    • Table 51 Debit Cards Forecast Sector Performance: 2008-2013
    • Table 52 Debit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 53 Debit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 54 Debit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • CREDIT CARD TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 55 Credit Cards Sector Performance: 2003-2008
    • Table 56 Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 57 Credit Cards Sector Performance: % Growth 2003-2008
    • Table 58 Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 59 Personal Credit Cards Sector Performance: 2003-2008
    • Table 60 Personal Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 61 Personal Credit Cards Sector Performance: % Growth 2003-2008
    • Table 62 Personal Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 63 Commercial Credit Cards Sector Performance: 2003-2008
    • Table 64 Commercial Credit Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 65 Commercial Credit Cards Sector Performance: % Growth 2003-2008
    • Table 66 Commercial Credit Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 67 Credit Cards: Number of Cards by Issuer 2003-2007
    • Table 68 Credit Cards: Number of Cards by Operator 2003-2007
    • Table 69 Credit Cards Transactions by Acquirer 2003-2007
    • Table 70 Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 71 Personal Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 72 Commercial Credit Cards Payment Transaction Value by Operator 2003-2007
    • Table 73 Credit Cards Forecast Sector Performance: 2008-2013
    • Table 74 Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 75 Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 76 Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 77 Personal Credit Cards Forecast Sector Performance: 2008-2013
    • Table 78 Personal Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 79 Personal Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 80 Personal Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 81 Commercial Credit Cards Forecast Sector Performance: 2008-2013
    • Table 82 Commercial Credit Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 83 Commercial Credit Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 84 Commercial Credit Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • CHARGE CARD TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 85 Charge Cards Sector Performance: 2003-2008
    • Table 86 Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 87 Charge Cards Sector Performance: % Growth 2003-2008
    • Table 88 Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 89 Personal Charge Cards Sector Performance: 2003-2008
    • Table 90 Personal Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 91 Personal Charge Cards Sector Performance: % Growth 2003-2008
    • Table 92 Personal Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 93 Commercial Charge Cards Sector Performance: 2003-2008
    • Table 94 Commercial Charge Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 95 Commercial Charge Cards Sector Performance: % Growth 2003-2008
    • Table 96 Commercial Charge Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 97 Charge Cards: Number of Cards by Issuer 2003-2007
    • Table 98 Charge Cards: Number of Cards by Operator 2003-2007
    • Table 99 Charge Cards Transactions by Acquirer 2003-2007
    • Table 100 Charge Cards Payment Transaction Value by Operator 2003-2007
    • Table 101 Personal Charge Cards Transaction Value by Operator 2003-2007
    • Table 102 Commercial Charge Cards Payment Transaction Value by Operator 2003-2007
    • Table 103 Charge Cards Forecast Sector Performance: 2008-2013
    • Table 104 Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 105 Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 106 Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 107 Personal Charge Cards Forecast Sector Performance: 2008-2013
    • Table 108 Personal Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 109 Personal Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 110 Personal Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
    • Table 111 Commercial Charge Cards Forecast Sector Performance: 2008-2013
    • Table 112 Commercial Charge Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 113 Commercial Charge Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 114 Commercial Charge Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • GENERAL PURPOSE PRE-PAID CARD TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 115 General Purpose Pre-paid Cards Sector Performance: 2003-2008
    • Table 116 General Purpose Pre-paid Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 117 General Purpose Pre-paid Cards Sector Performance: % Growth 2003-2008
    • Table 118 General Purpose Pre-paid Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 119 General Purpose Pre-paid Cards by Type: % Number of Cards 2004-2008
    • Table 120 General Purpose Pre-paid Cards: Number of Cards by Operator 2003-2007
    • Table 121 General Purpose Pre-paid Cards Transaction Value by Operator 2003-2007
    • Table 122 General Purpose Pre-paid Cards Forecast Sector Performance: 2008-2013
    • Table 123 General Purpose Pre-paid Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 124 General Purpose Pre-paid Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 125 General Purpose Pre-paid Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
  • STORE CARD TRANSACTIONS IN POLAND
  • HEADLINES
  • TRENDS
  • COMPETITIVE LANDSCAPE
  • PROSPECTS
  • SECTOR DATA
    • Table 126 Store Cards Sector Performance: 2003-2008
    • Table 127 Store Cards Sector Performance: Number of Cards in Circulation 2003-2008
    • Table 128 Store Cards Sector Performance: % Growth 2003-2008
    • Table 129 Store Cards in Circulation Sector Performance: % Growth 2003-2008
    • Table 130 Store Cards: Number of Cards by Issuer 2003-2007
    • Table 131 Store Cards Forecast Sector Performance: 2008-2013
    • Table 132 Store Cards Forecast Sector Performance: Number of Cards in Circulation 2008-2013
    • Table 133 Store Cards Forecast Sector Performance: % Growth 2008-2013
    • Table 134 Store Cards in Circulation Forecast Sector Performance: % Growth 2008-2013
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