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Capital Adequacy Standards on the Case of Selected Banks in Poland Under Economic Uncertainty

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Listed:
  • Sylwia Klus
  • Artur Stefanski
  • Zuzanna Urbanowicz
  • Leszek Wanat

Abstract

Purpose: The aim of the study was to identify and assess the determinants of capital adequacy on the case of selected banks in Poland under economic uncertainty. Design/Methodology/Approach: The research used selected capital adequacy measures recommended by the central bank and the Financial Supervision Commission. The standards were verified in 2018-2022 for purposively selected banks in Poland: ING Bank Slaski S.A., mBank S.A. and Bank Millennium S.A. The assessment was based on a comparative analysis of the reviewed banks' financial statements. Findings: As a result of the descriptive analysis, it was confirmed that the reviewed banks, despite the risk of economic uncertainty, met the stansards of capital adequacy during the set period. In this context, particularly sensitive risk areas of banking activities were identified.. Practical Implications: In business practice, the monitoring of financial adequacy standards informs both banks and entrepreneurs: about business risks, the need to modify credit policy, the need for recapitalization. It is a useful 'barometer' of economic uncertainty verification. Originality/Value: Permanent evaluation of banks' capital adequacy standards, based on selected evaluation measures, allows monitoring the risk of banking activity under conditions of economic uncertainty.

Suggested Citation

  • Sylwia Klus & Artur Stefanski & Zuzanna Urbanowicz & Leszek Wanat, 2024. "Capital Adequacy Standards on the Case of Selected Banks in Poland Under Economic Uncertainty," European Research Studies Journal, European Research Studies Journal, vol. 0(2), pages 517-530.
    • Handle: RePEc:ers:journl:v:xxvii:y:2024:i:2:p:517-530
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    References listed on IDEAS

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    Cited by:

    1. Klus, Sylwia & Gruszka, Patrycja & Wanat, Leszek, 2024. "Quality Assessment of Selected Mobile Banking Services in the Users’ Opinion – The Case of Sulęcin County," Roczniki (Annals), Polish Association of Agricultural Economists and Agribusiness - Stowarzyszenie Ekonomistow Rolnictwa e Agrobiznesu (SERiA), vol. 2024(3).
    2. Sylwia Klus & Magdalena Piechocka, 2024. "Changes in Banking Credit Assessment of Individualsin the Local Financial Services Market," European Research Studies Journal, European Research Studies Journal, vol. 0(Special A), pages 1019-1033.

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E61 - Macroeconomics and Monetary Economics - - Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General Outlook - - - Policy Objectives; Policy Designs and Consistency; Policy Coordination

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