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Profitability Of The Banking Sector In Poland Between 2015-2019

Author

Listed:
  • Pawel Dondalski

    (The Polish Financial Supervision Authority)

  • Aleksandra Ostrowska

    (Faculty of Economic Sciences, University of Warmia and Mazury in Olsztyn)

Abstract

Our research objective was to assess how the main profitability indicators of the banking sector have been used in Poland in the years 2015-2019 and to analyse the elements that make up their value. Return on assets (ROA) and return on equity (ROE) were used to measure the profitability of the banking sector in Poland. The research methods used included an analysis of available literature and statistical data published by the Polish Financial Supervisory Authority, the National Bank of Poland and the European Central Bank. We used dogmatic, statistical, and comparative methods. We put forward the following research hypothesis: the reason for a decrease in the profitability index of the Polish banking sector in the face of growing profits was an increase in the value of assets and equity. The research results confirmed this hypothesis. The reasons for the decreasing profitability of banks in Poland included excessively low levels of generated profits in relation to the increase in the value of capital and assets. Moreover, we identified the factors influencing this phenomenon.

Suggested Citation

  • Pawel Dondalski & Aleksandra Ostrowska, 2020. "Profitability Of The Banking Sector In Poland Between 2015-2019," OLSZTYN ECONOMIC JOURNAL, University of Warmia and Mazury in Olsztyn, Faculty of Economic Sciences, vol. 15(2), pages 141-154, August.
    • Handle: RePEc:ole:journl:v:15:y:2020:i:2:p:141-154
    DOI: https://doi.org/10.31648/oej.5837
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    More about this item

    Keywords

    banking sector; profitability of the banking sector;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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