Safe Bank

The article addresses the problem of consequences of the bank restructuring proceedings rules for operations of payment system. Banks play an important role of payments intermediaries and they create the payment system infrastructure. In this context, it is important that the principles of bank resolution under the provisions of the Act of 10 June 2016 on the Bank Guarantee Fund, the deposit guarantee scheme and bank resolution provide for protection of the stability of payment systems and of critical functions of banks related to payment services. The stability of the payment system, including the operation of payment infrastructurecontinuity is dependent on the bank resolution plans. The planning process requires the identification of critical functions. They are identified on the basis of datacharacterizing the individual bank and the results of the payment system analysis in the institutional and infrastructural approach.

In the traditional concept, the primary goal of the undertaken stress tests wasan attempt to answer the question how sensitive is the portfolio of financial institution in response to assumed, emergency, but likely changes of operating conditions of a financial institution. As time passes, the use of stress tests continued to spread, covering wider and wider areas. Currently, the stress tests are an effective and complementary tool to the prudential norms e.g. Basel III. The flexibility in the selection of scenarios and risk parameters enable to identify systemic weaknesses in the banking sector and the assessment of the capital position of individual banks. The aim of this article is to present the main methodological framework for stress testing and their role in light of new prudential rules.

The objective of the article is to analyse the influence of implementation of banking regulations upon the development of activity connected with consolidation processes. The conducted research unequivocally indicates that implementation of regulations pertaining to the banking sector influences market quotations of commercial banks. Investors expressed positive opinions about the changes. Although it would be difficult to draw definite conclusions, it seems that the present situation will reduce profitability of banking operations, and that consequently it will contribute to an increased dynamics of consolidation processes.

The number of central banks that have in their balances securities issued by private sector is constantly growing in recent years. Undoubtedly, the last financial crisis was the catalyst for such changes. In this article there are three motives for private assets purchase by central banks, described namely: an international reserves management, a lender of last resort function of central bank and monetary policy in the situation of broken transmission mechanisms. The paper indicates cases of purchase of private assets by central banks with a division based on the motives mentioned above. Moreover, the profits and the risks of that policy (tools) were pointed out.

In the banking sector competition phenomenon has appeared later than inother economic sectors, but in contemporary conditions it is growing very rapidlyand often takes violent forms. Banking sectors differ in terms of competitive structures and concentration levels. The aim of the article is to present the structure of banking markets in selected countries of the Balkan Europe, undergoing transformation. The article is to answer the question of whether countries originating from the same roots, are developing banking market in terms of its structure in the same way. The study was conducted for the research period of 2004–2014, for the three sectors, Croatia, Serbia and Macedonia. They were divided into three groups of banks: small, medium and large, taking into account the number of operating banks, asset value and the level of market concentration.

Since its tax preference and favorable conditions for capital investment Cyprushas become an important financial services center in its region. Services, includingfinancial ones, begun to play an increasingly important role in the economy. This situation has led to the rapid development of the banking sector. Banks investedamong Greek debt. What, when Greek problems have materialized, significantly influenced the situation of the sector. After reforms banks began to gradually recover to pre-crisis position. However, it is too early to conclude that banks are on the right way to return to their profitability. There is still a lot of work to improve
financial condition and restore confidence among customers.

This paper analyses 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. It has been found that the leading determinants of the credit growth are overall economic situation (measured by GDP growth) and banks equity capital growth. Certain differences in factors determining banks credit growth for different types of ownership and for two sub-periods were indicated.

The aim of this article is to present the subject of economic (including financial) knowledge and literacy. The text is both a literature review and conceptual elaboration and it attempts to define the notion of economic literacy. The article indicates the reasons and benefits of promoting economic education and outlines a selection of the concept and economic literacy measurement related dilemmas.