## Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability

_IMF Staff Country Reports, March 9, 2007_

## Source details

**Canonical URL:** [Republic of Poland: Financial Sector Assessment Program-Technical Note-Credit, Growth, and Financial Stability](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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## Bibliographic details
- Published: March 9, 2007
- Series: IMF Staff Country Reports
- DOI: https://doi.org/10.5089/9781451832013.002

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### 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).*

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_Source: https://www.imf.org/en/publications/cr/issues/2016/12/31/republic-of-poland-financial-sector-assessment-program-technical-note-credit-growth-and-20539_