Banking in CEE Overview

Karolina Marzantowicz

CEE Banking Technical Leader

IBM Academy of Technology Leadership Team

kmarzantowicz

2014

Intro • Executive Architect

• Interested in emerging technology, and innovation

• Member: IBM Academy of Technology Leadership team; Leading Digital Transformation IBM Academy of Technology Theme

• Mom of 3 kids, runner, mountain lovers

CEE Region

• IBM Split into 4 regions: – Central – SEE – Poland & Baltics – RCIS

• Members of the EU: – Bulgaria, – Croatia – Czech Republic – Estonia (in Eurozone) – Hungary – Latvia (in Eurozone) – Lithuania – Poland – Romania – Slovenia (in Eurozone) – Slovakia (in Eurozone)

• Many countires, languages, cultures, currencies,

regulatory organizations

CEE Banking Outlook

• Clear indications of economic resurgence in Western Europe are translating into a better economic performance in CEE.

• Mild signs of credit recovery are visible in CEE.

• The CEE banking sector continues to show a satisfactory level of profitability.

CEE Economic situation summary

Average bank size

Key International Players

Market centralization

M&A

Poland market shares

Banks focus areas

• Costs optimization

• Branch of the Future

• Digital Banking

• Innovation

Questions?

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Karolina Marzantowicz

CEE Banking Technical Leader

IBM Academy of Technology Leadership Team

kmarzantowicz