Wpływ pandemii COVID-19 na działalność banków komercyjnych w Polsce

Michał Boda

doi:10.26354/bb.2.4.85.2021

Published : 2022-02-04

Vol. 85 No. 4 (2021)

The Impact of the COVID-19 pandemic on Polish commercial banks’

Michał Boda

https://orcid.org/0000-0001-8959-632X

DOI: https://doi.org/10.26354/bb.2.4.85.2021

Abstract

The impact of the COVID-19 pandemic on profitability, financial results and stability of commercial banks was analyzed. An extensive review of domestic and foreign publications on this subject was carried out; and with regard to commercial banks in Poland, monthly reporting data (from March 2020 to July 2021) was analysed using the least squares method (ordinary least squares, OLS). The OLS method choice was dictated by the nature of data and the results of statistical tests. The results showed that the profitability analyzed with ROA and ROE indicators was, in the analyzed period, negatively related to the number of cases, while the net interest income was negatively related to both the number of cases and deaths due to COVID-19. There was also no negative impact of the pandemic on the commission income and operating result noted. No negative impact of the COVID-19 epidemic was recorded in terms of the stability measured with the NPL, Z-score and MPLS indicators.

Keywords:

bank, profitability, stability, stock exchange, pandemic, COVID-19

JEL Codes

G21, I15, O16

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Boda, M. (2022). The Impact of the COVID-19 pandemic on Polish commercial banks’. Safe Bank, 85(4), 38–55. https://doi.org/10.26354/bb.2.4.85.2021

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