Finanse, Rynki Finansowe, Ubezpieczenia

Previously: Zeszyty Naukowe Uniwersytetu Szczecińskiego. Finanse, Rynki Finansowe, Ubezpieczenia

ISSN: 2450-7741     eISSN: 2300-4460    OAI    DOI: 10.18276/frfu.2016.4.82/1-77
CC BY-SA   Open Access 

Issue archive / 4/2016
Analiza porównawcza jakości kredytów sektorów bankowych krajów Europy Środkowo-Wschodniej
(Comparative Analysis of the Quality of Loans the Banking Sectors in Central Eastern Europe)

Authors: Błażej Lepczyński

Marta Penczar
Keywords: credit quality loan bank non-performing loans (NPL)
Year of publication:2016
Page range:13 (931-943)
Cited-by (Crossref) ?:


Purpose – The article presents a comparative analysis of the quality of the loan portfolio in the Polish banking sector and the banking sectors of other EU countries. The analysis was designed to capture the main differences in the quality of loan portfolios between the CEE countries and to identify important factors that determine it. Design/methodology/approach – The article reviews research on the quality of corporate loans in Europe. The proposed methodology allowed to realize a comprehensive analysis of the quality of portfolios of corporate loans and the cost of credit risk. Findings – A comparative analysis of the banking sectors from Central and Eastern Europe indicate that credit quality is varied and largely depend on the circumstances of individual economies. Particularly noteworthy is the continuing high level of non-performing loans in Romania, Bulgaria and Hungary. Polish banking sector, despite the slightly increased level of non-performing loans than the average for the EU, is one of the best performing in terms of quality of loans the banking sectors in the CEE countries, although it should be noted that the level of this index in Poland was at the end of 2015 years twice higher than in the Czech Republic.
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