{
  "title": "Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability",
  "publication": "IMF Staff Country Reports, March 9, 2007",
  "sourceUrl": "https://www.imf.org/en/publications/cr/issues/2016/12/31/republic-of-poland-financial-sector-assessment-program-technical-note-credit-growth-and-20539",
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  "summary": "This technical note on the Republic of Poland underlies the country’s credit, growth, and financial stability. 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.",
  "publishDate": "2007-03-09",
  "series": "IMF Staff Country Reports",
  "sections": [
    {
      "heading": "Overview and Scope",
      "content": "- Publication date: March 9, 2007\n- Series: Country Report No. 2007/103\n- Volume: 2007\n- Issue: 103\n- Pages: 39\n- DOI: https://doi.org/10.5089/9781451832013.002\n- ISBN: 9781451832013\n- ISSN: 1934-7685\n- Stock No: 1POLEA2007001\n- Format: IMF Staff Country Reports"
    },
    {
      "heading": "Principal Findings",
      "content": "- 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.\n- Supervisors need to remain vigilant to any signs of:\n  - weakening in credit standards,\n  - rising loan-to-value ratios,\n  - an excessive concentration of risk.\n- The main objective is to ensure that all banks have:\n  - adequate credit assessment and risk management systems in place,\n  - sufficient information disclosure to customers."
    },
    {
      "heading": "Policy Recommendations and Supervisory Priorities",
      "content": "- Maintain vigilance for early indicators of credit deterioration, including monitoring credit standards and loan-to-value ratios.\n- Address concentration risks in lending portfolios to prevent systemic vulnerabilities.\n- Ensure banks implement and maintain adequate credit assessment frameworks and risk management systems.\n- Improve transparency by ensuring banks disclose sufficient information to customers."
    },
    {
      "heading": "Subject Areas and Keywords",
      "content": "- Subject: Bank credit, Bank soundness, Banking, Credit, Currencies, Financial institutions, Financial sector policy and analysis, Loans, Money\n- 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\n\nIMF Staff Country Reports — Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability (March 9, 2007).\n\n---\n\n Content in this bundle\n\n- cr07103\n  - cr07103 (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - cr07103 (PDF){rel=\"external\" type=\"application/pdf\"}\n\n---\n\nSource: https://www.imf.org/en/publications/cr/issues/2016/12/31/republic-of-poland-financial-sector-assessment-program-technical-note-credit-growth-and-20539"
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    "Published: March 9, 2007",
    "Series: IMF Staff Country Reports",
    "DOI: https://doi.org/10.5089/9781451832013.002",
    "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",
    "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:",
    "The main objective is to ensure that all banks have:",
    "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: 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",
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