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Factors determining banks’ credit growth in Poland in 1995–2014
Małgorzata Iwanicz-Drozdowska
Anna Kozłowska
Abstract
In this paper we analyse the factors determining banks’ credit growth in Poland from 1995 to 2014, with special attention paid to the ownership structure of banks (state-owned, foreign-owned, domestic-private owned) and the impact of the global financial crisis. We find out that the leading determinants of the credit growth are overall economic situation (measured by GDP growth) and the growth of banks equity capital. We identified certain differences in factors determining banks’ credit growth for different types of ownership and two sub-periods.
Keywords:
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