IDEAS home Printed from https://ideas.repec.org/a/nbp/nbpbik/v57y2026i2p175-202.html

How does the ownership structure affect banks’ credit quality in the Polish banking sector?

Author

Listed:
  • Emilia Klepczarek

    (University of Lodz, Department of Institutional Economics and Microeconomics)

  • Agata Szymańska

    (University of Lodz, Department of Macroeconomics)

  • Agata Wieczorek

    (University of Lodz, Department of Institutional Economics and Microeconomics)

Abstract

This paper aims to analyse the effects of type of ownership structure on the quality of the credit portfolio. In particular, the paper investigates the relationship between different bank ownership structures in Poland, focusing on the dichotomies of state versus private control and domestic versus foreign control. The data used covers the period from 2007 to 2024, and the methodology is based on statistical analysis and panel data regressions. The findings indicated that banks under state control exhibited a higher frequency of impaired loans compared to their privately controlled counterparts. Additionally, the analysis demonstrated that foreign-controlled banks possessed a lower percentage of impaired loans, indicating a better-quality loan portfolio.

Suggested Citation

  • Emilia Klepczarek & Agata Szymańska & Agata Wieczorek, 2026. "How does the ownership structure affect banks’ credit quality in the Polish banking sector?," Bank i Kredyt, Narodowy Bank Polski, vol. 57(2), pages 175-202.
    • Handle: RePEc:nbp:nbpbik:v:57:y:2026:i:2:p:175-202
    as

    Download full text from publisher

    File URL: https://bankikredyt.nbp.pl/content/2026/02/bik_02_2026_03.pdf
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    JEL classification:

    • C10 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - General
    • C23 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Models with Panel Data; Spatio-temporal Models
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:nbp:nbpbik:v:57:y:2026:i:2:p:175-202. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Wojciech Burjanek (email available below). General contact details of provider: https://edirc.repec.org/data/nbpgvpl.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.