Polish banking system is stable, reliable and can be full confidence – he said on Wednesday at Banking Forum 2016 Chairman of the Financial Supervision Commission Andrzej Jakubiak.
“The Polish banking system is stable, the funds collected in the Polish banks are safe,” – said Jakubiak.
In banks 1 billion zł, of which 665 million households and 250 million zł company
He pointed out that it is about trillion held by the banks, of which 665 billion zł is the money households, and 250 billion zł it means business. Jakubiak also stressed that the Polish banking system is reliable and can be full confidence.
Banks under the magnifying glass of rating agencies
Chairman of the Financial Supervision Authority noted that especially individual customer is sensitive to any information about the banks coming from outside, and negative information reacts very emotionally. Jakubiak pointed out that after the downgrade of two listed banks in late February, online forums began to speculation that one or two Polish banks are not safe. However, in last Wednesday sent someone to mBank sms that the bank is in danger, which coincided with a phishing attack on the bank.
Banks must prepare for adverse opinions
“Watching it (…) what is happening, it must be assumed that in the future we may have more of this type of situation. intentional causing panic” – rated Jakubiak.
He pointed out that in August last year KNF decided to introduce a board of trustees to SK Bank. The bank then had positive results, but during the week paid him so much money that the bank lost nearly liquidity and had to enlist the help of the NBP.
According to Jakubiak need to remember that today the banking system starts to work in completely different conditions. “You can not rule out organized activities that will be aimed at destabilizing the banking sector in Poland. Regardless of what he has real results, as is well capitalized,” – said Jakubiak.
“The banks should be given to the relational politics with their clients in crisis. It is in those in which there is intentionally to trigger events caused by panic,” – he added.
According to the head KNF worrying is that from the mouth of people who – in the opinion of the social – have a knowledge of what is happening in the system, it has been claimed to doubt the stability of the banking sector in Poland. “I do not mean here only the last statement (canceled on Tuesday, Deputy Finance Minister Konrad Raczkowski – PAP). Such statements are more and more” – he said.
The stability of banks depends on their capital
Jakubiak pointed out that in assessing the stability of banks increasing significance will be the size and quality of their capital. According to him, they are the best guarantee of their security. Therefore KNF in recent years applied a conscious dividend policy aimed at increasing the banks’ own funds. According to the recommendations of the Commission banks allocate to equity of 45-50 percent. profit.
Polish banks have put off capital gains
“Today the only practical way to increase own funds is to stop the profit,” – said Jakubiak. In his opinion, Polish banks rather can not, rely on financial support from the capital market.
In an interview with journalists Jakubiak said that under the previously announced in March, the Financial Supervision Authority will present calculations of the financial consequences of the presidential draft law on frankowiczach.
Act for frankowiczów has spread over the years support costs
present at the conference NBP board member Adam Glapinski he told reporters that the central bank expects that the project will fulfill the criterion of stability of the banking sector. He stressed that now is the “draft for discussion, not a draft bill ready to be proceeded in the parliament.”
“According to what I know, this is also one of the pillars of the projects that arise. Nobody is going to interfere with the stability of the banking sector (…). Above this is what works for you can be spread (the cost for banks – PAP) for dozens of years, the duration of loans, “- he said.
It is important to the stability of the banking sector
” the work continues , as far as I know (…) with the participation of the best Polish but also foreign specialists, the leading consulting companies. from what I know, some solutions such more realistic, are already “- he added. According to him, the basic issue is the distribution of costs changes over time and their quick adoption, that “there was uncertainty hanging in the air”, which in banking has a cost, deepening with the passage of time.
By Glapiński a compromise solution it is possible to find, but it is harder than everyone thought. “NBP expects that they will be met criteria for stability of the market” – he stressed.
President’s Office presented on January 15 this year. (The first anniversary of the release of the franc by the SNB) draft law on “how to restore the equality of the parties’ agreements on foreign currency loans, designed to solve the problem frankowiczów.
It assumes three mechanisms of restructuring loans. In addition to the voluntary restructuring, it is proposed restructuring forced, which is determined to be so. course fair, which will be calculated individually. The last mechanism involves the transfer of the property to the creditor effective relief from debt. It was sent to the Financial Supervision Authority, which is to determine the financial impact of this regulation.
PAP, jk
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