The heads of the banks clearly indicated that what happens to the margins or upgrade fees is not related to the bank tax – as head of the parliamentary finance committee, Andrzej Jaworski (PiS) concluded its meeting. Bankers gave as the reason for increases among increase in contributions to the Fund.
In turn, present at Tuesday’s meeting of the commission deputy head of MF Konrad Raczkowski said request to the KNF ws. – as he said – attempts to derive the assets of the Polish foreign banks and did not rule out the amendment of the Law on bank tax.
UOKiK conducts proceedings
In contrast, Vice President of the OCCP Bernadette Kasztelan-skylight announced that the Office conducts an investigation ws. The amount of bank fees and commissions. – This is not a proceeding against a particular trader, where you can put a specific allegation. This is a proceeding which is to verify, in some way these fees to shape – she said. As she said, “the procedure is at an early stage.” – If you performed the analysis we will place objections, of course, we did it – pointed.
Banks raise fees. Bankers “invited” on the carpet of the Finance Committee
Source: TVN24 / x-news
The purpose of the committee meeting was to familiarize with the information KNF, the OCCP and representatives of banks on the increases in margins, commissions and other fees that have occurred recently or that are announced in the near future.
A statutory ban on shifting these costs to the customer
The debate started head of the committee, Andrzej Jaworski (PiS). As he spoke, he did not call bank governors on the carpet, but in order to know the reasons raise the fees and margins by banks. Referring to speculation that proposed by the banks increases may be related to the so-called. bank tax, Jaworski pointed out that the Act also contains a prohibition of shifting these costs to customers.
– Most banks in the fourth quarter of 2015 years and in the first months of 2016 years raised margins or interest rates on housing loans (15 banks) consumer loans (12 banks), loans to SMEs (small and medium-sized enterprises) (14 banks), only 10 banks with foreign capital raised margins and interest rates for loans for entrepreneurs – handed vice-president Wojciech KNF Kwaśniak. He added that in the period of 9 banks saw an increase in prices of individual bank accounts, and in 6 – conducted for entrepreneurs. – The interest rate on households decreased 11 banks and entrepreneurs – 9 banks – he added.
Kwaśniak rated at the same time, the medium and long term, banks in Poland will have a very limited field to charge customers the cost of a new bank tax, due to the the competitiveness of other market participants. – The level of concentration of our market (bank – ed. Ed.) In the EU dimension place it at the level of sectors less concentrated. Against the background of the new EU member states, ie the region of Central and Eastern Poland has the lowest concentration – he explained.
Prezes The PBA: hikes by a number of factors
The reasons for raising fees by banks explained the head of the Polish Banks Association Krzysztof Pietraszkiewicz after the committee meeting – Decisions about raising fees resulted from the difficulties experienced Polish sector banking. That tsunami was some additional burdens imposed on banks and customers of our banks. ” He mentioned in this context, spending on “declining credit unions.” “That’s over 6 billion zł within several months – he stressed.
– We also had to protect the amount of loan installments for customers who have foreign currency loans. The idea that their installment does not need to be higher than those that were before the decision of the Swiss National Bank. Under the Act, we were also required to report approx. 600 million zł Fund Support borrowers of housing, both domestic and foreign currency – named Pietraszkiewicz.
The President of PKO BP: we had to adjust the cost structure to our assets
The current committee meeting the president of PKO BP Zbigniew Jagiello said that his bank has not made any changes in credit spreads. He added that since 2010. The size of the commissions and fees charged by a bank per customer decreases. He said that his bank for a few years every year, makes changes in the table of fees and commissions.
During the meeting of the Finance Committee hands Members, guests and journalists hit materials concerning PKO Polish Bank & gt; & gt; & gt;
– We had to adjust the cost structure of our assets (… ) is being considered to raise the fees, where was 0 zł, ie the fee from ATMs. Due to falling interest rates our interest income decreased significantly. Fell commission income – argued in turn, chairman of Deutsche Bank Poland Krzysztof Kalicki.
Chairman of mBank: most of the factors worsened
Similarly, the president justified the increase mBank Cezary Stypułkowski. As reported in the last year, “most of the factors affecting the prices of banking products and services has deteriorated.” – Therefore, in some cases, we had to react and raise prices for the new services offered. We did this in order to long-term stability of the bank and the security deposit was not threatened – he argued.
Vice President of Raiffeisen Polbank: the former increases, but also cuts
Vice President of Raiffeisen Polbank Maciej Bardan added that in the case of bank rates were both reduced and increased. – These increases related products, which de facto came out or coming out of the bank’s offer (…) all these activities in 100 percent. to ensure compliance with the Act on the so-called. bank tax – assured.
Chairman of BPH: we act in accordance with the spirit of the law
Also, the president of Bank BPH Richard Gaskin said that his bank “, there was no increase in product prices, since the tax has been introduced banking”. – We operate transparently and in accordance with the spirit of the law – he stressed.
Similarly he claimed the representative of BOS. He indicated that his institution in the past 6 months has not raised fees. He announced that the bank does not intend to raise in the near future, although it will be decided by the external environment.
The deputy head of the Ministry of Finance announced a referral request to the KNF
During the meeting spoke also vice president of MF Konrad Raczkowski. He announced a referral to the Financial Supervision Commission request to examine the observed – according to him – now “trying to weaken the competitive position of local banks and the violation of the interests of shareholders in Polish banks by some foreign banks that carry the issuance of new large loans to foreign central banks.” “We receive such information from some counseling offices, (…) which also take part in it” – said the Deputy Minister of Finance.
He added that the Ministry of Finance will examine whether such operations are not an attempt of illegal tax evasion . – If so, it is illegal and subject to penalization. (…) Total assets, which at the moment is trying to be output, is significant – he said. He noted that it “is not fair to Polish citizens.”
Therefore – according to him – perhaps you will need an amendment to the recently adopted law on tax on certain financial institutions.
Jaworski, summing up the meeting, estimated that bank chiefs unequivocally responded that what happens to the margins or upgrade fees is in no way connected with the so-called. bank tax. – I think that it will cut speculations that were in the media, but the committee has taken note of the reasons why these margins are rising. I am glad that the Minister of Finance announced the occurrence to the Office and the Financial Supervision Authority to investigate the matter. As soon as this answer will be, it will return to the topic. Contrary to what she PO, the committee of public finances is authorized to do so, to take care of the interests of consumers and bank customers. If there are any doubts and irregularities, we are there to explain – he pointed out.
IAR / PAP, abo, Celebrating
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