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Poland - Financial sector assessment (Inglês)

Diversifying Poland's financial system to meet new demands while preserving its resilience and stability is the key task ahead for financial policymakers. Over the past decade, the financial system has grown rapidly and risks have been well managed along the way. To maintain this track record and supply the financial services needed to support the economy's growth, it will be important to develop nonbank financial intermediation, prepare for possible further consolidation and exit of financial institutions, especially cooperatives, credit unions (SKOKs), and small banks, and promote a competitive banking system, relying less on foreign funding. While these developments will be largely market driven, they need to be supported by enabling regulatory reform and the modernization of the financial oversight framework: supervision focused on risk management, including an independent systemic risk perspective, strong safety nets, and state-of-the-art resolution tools will be indispensable. A joint IMF-World Bank mission visited Poland from February 19 - March 6, 2013 to undertake an update of the Financial Sector Assessment Program (FSAP) conducted in 2006. This report summarizes the main findings of the mission, identifies key financial sector vulnerabilities, and provides policy recommendations.

Detalhes

  • Data do documento

    2014/01/01

  • TIpo de documento

    Programa de Avaliação do Setor Financeiro (FSAP)

  • No. do relatório

    85011

  • Nº do volume

    1

  • Total Volume(s)

    1

  • País

    Polônia,

  • Região

    Europa e Ásia Central,

  • Data de divulgação

    2014/02/20

  • Disclosure Status

    Disclosed

  • Nome do documento

    Poland - Financial sector assessment

  • Palavras-chave

    financial system;systemic risk;Insolvency and Creditor Rights;asset and liability management;high rates of interest;volatility of capital flows;International Financial Reporting Standards;Financial Sector;global financial crisis;code of conduct;foreign exchange;asset quality;macroprudential policy;commercial bank;risk management practice;deposit guarantee scheme;credit union;prudential supervision;banking system;safety and soundness;deposit guarantee fund;deposit insurance system;residential real estate;Financial Stability;cooperative bank;commercial banking sector;government bond yield;emergency liquidity assistance;foreign credit institution;share of asset;financial safety net;foreign exchange hedge;deterioration in credit;capital market development;sale of business;participation of creditor;oversight of bank;enforcement of security;conditions for use;transfer of security;chart of account;recapitalization of bank;law and regulation;minimum capital standard;design of information;foreign central bank;national banking system;conflicts of interest;accountability to parliament;conduct of business;domestic bond market;weak financial condition;banking sector asset;capital market funding;capital market instruments;bank's balance sheet;nonbank financial institution;mandatory pension fund;financial market development;bank balance sheet;real estate collateral;delivery versus payment;interest rate swap;foreign exchange risk;open foreign currency;commercial bank asset;legal framework governing;mortgage backed securities;domestic capital market;weak financial institutions;cooperative banking sector;foreign currency funding;number of banks;domestic investor base;regulation and supervision;sound financial footing;deposit insurance premium;national deposit guarantee;consumer loan;bank resolution;financial intermediation;nonperforming loan;pension system;mortgage loan;solvency ratio;pension reform;large bank;risk weight;bank failure;risk map;capital rehabilitation;coverage ratio;capital adequacy;loan ratio;bank funding;foreign investor;insolvency framework;accounting practice;impaired asset;financial asset;consumer protection;financial oversight;foreign bank;housing loan;regulatory change;loan portfolio;residential mortgage;regulatory initiative;Bank Credit;transition period;outstanding stock;market structure;risk drivers;economic slowdown;rising unemployment;domestic sources;insured depositor;mortgage bank;foreign fund;asset class;international reserve;international standard;credit growth;holistic approach;recovery process;legal protection;mortgage portfolio;underwriting standard;financial service;insurance supervision;small bank;supervisory policy;supervisory approach;contingency plan;staff turnover;administrative power;stabilization fund;crisis management;bond investor;banking union;accounting principle;administrative court;residential property;safe banking;privatization proceeds;high frequency;governments finance;asset price;provision level;public debt;financial statement;external factor;judicial system;discretionary power;deficit ratio;trade links;shareholder right;capital ratio;regulatory data;domestic demand;open bank;retail credit;business model;loan instrument;reimbursement system;oversight function;risk indicator;dividend payout;funding resource;reference source;system asset;eligible deposit;home country;home countries;depositor payout;domestic bank;bank intervention;financial saving;working day;accession treaty;private pension;smaller towns;rural area;direct investment;foreign owner;banking crisis;mutual fund;depositor preference;portfolio inflow;retirement age;important change;contribution scheme;prudential objectives;insolvency legislation;regulatory guidance;tax disincentive;increased competition;supervisory guidance;financial ratio;Macroeconomic Policy;benchmark portfolio;eligibility requirement;mortgage insurance;universal bank;tax regulation;domestic liquidity;risk appetite;reorganization procedure;sovereign bond

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