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Number of active credit cards issued to individual customers (2017)
Open Research DataPolish banks serviced 6.04 million credit cards in 2017. This is a decrease by 121,000 year on year (comparing 2017 and 2016). The largest issuer of credit cards in the country is Bank PKO BP. In the third quarter of 2017, this institution had 847,000 credit cards. Bank Zachodni WBK is second (803,000) and CITI Handlowy is third (697,000).
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Credit default swaps and banks
PublicationThis chapter aims to explore the evolving role of credit default swaps (CDS) in managing and transferring default risk from the perspective of banks from a holistic perspective. This chapter examines credit default swaps (CDSs) as derivative financial instruments that transfer credit risk on debt securities. While CDSs offer benefits such as risk management and risk trading, they also introduce potential systemic risks, as evidenced...
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Economics of credit scoring management
PublicationCredit scoring models constitute an inevitable element of modern risk and profitability management in retail financial lending institutions. Quality,or separation power of a credit scoring model is usually assessed with the Gini coefficient. Generally, the higher Gini coefficient the better, as in this way a bank can increase number of good customers and/or reject more bad applicants. In...
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Selected elements of the payment cards system in Poland
PublicationThe following article describes the current situation of the selected elements of the payment cards system in Poland. The first part of the paper include the most common definition as well as the abbreviated history of payment cards implementation in Poland. Next, the author presents the key numbers related to the nowadays situation on the market together with benefits of using the payment cards in the whole economic system. At...
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Journal of Credit Risk
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Global Credit Review
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Credit and Capital Markets
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Number of active debit cards issued to individual customers (2017)
Open Research DataAt the end of the fourth quarter of 2017, financial institutions (including non-banking ones, e.g. SKOK) serviced 25.8 million debit cards (excluding credit card data) of individual clients. This means an increase by 1.3 million cards compared to the same period in 2016. The largest number of cards was issued and serviced by Bank PKO BP - 6.81 million,...
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The shape of an ROC curve in the evaluation of credit scoring models
PublicationThe AUC, i.e. the area under the receiver operating characteristic (ROC) curve, or its scaled version, the Gini coefficient, are the standard measures of the discriminatory power of credit scoring. Using binormal ROC curve models, we show how the shape of the curves affects the economic benefits of using scoring models with the same AUC. Based on the results, we propose that the shape parameter of the fitted ROC curve is reported...
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How to model ROC curves - a credit scoring perspective
PublicationROC curves, which derive from signal detection theory, are widely used to assess binary classifiers in various domains. The AUROC (area under the ROC curve) ratio or its transformations (the Gini coefficient) belong to the most widely used synthetic measures of the separation power of classification models, such as medical diagnostic tests or credit scoring. Frequently a need arises to model an ROC curve. In the biostatistical...