Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability
IMF Staff Country Reports, March 9, 2007
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- Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability
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Bibliographic details
- Published: March 9, 2007
- Series: IMF Staff Country Reports
- DOI: https://doi.org/10.5089/9781451832013.002
Overview and Scope
- Publication date: March 9, 2007
- Series: Country Report No. 2007/103
- Volume: 2007
- Issue: 103
- Pages: 39
- DOI: https://doi.org/10.5089/9781451832013.002
- ISBN: 9781451832013
- ISSN: 1934-7685
- Stock No: 1POLEA2007001
- Format: IMF Staff Country Reports
Principal Findings
- A broad-based statistical and econometric analysis of financial and household balance sheet data implies that exchange rate-related credit risk and liquidity risk are currently contained.
- Supervisors need to remain vigilant to any signs of:
- weakening in credit standards,
- rising loan-to-value ratios,
- an excessive concentration of risk.
- The main objective is to ensure that all banks have:
- adequate credit assessment and risk management systems in place,
- sufficient information disclosure to customers.
Policy Recommendations and Supervisory Priorities
- Maintain vigilance for early indicators of credit deterioration, including monitoring credit standards and loan-to-value ratios.
- Address concentration risks in lending portfolios to prevent systemic vulnerabilities.
- Ensure banks implement and maintain adequate credit assessment frameworks and risk management systems.
- Improve transparency by ensuring banks disclose sufficient information to customers.
Subject Areas and Keywords
- Subject: Bank credit, Bank soundness, Banking, Credit, Currencies, Financial institutions, Financial sector policy and analysis, Loans, Money
- Keywords: bank, Bank credit, bank soundness, Bank soundness, CR, Credit, credit growth, Currencies, Eastern Europe, exchange rate, foreign currency, housing loan, ISCR, lending, loan, Loans
IMF Staff Country Reports — Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability (March 9, 2007).