ANALYSIS OF BANKING PERFORMANCE IN POLISH COMMERCIAL BANKS. SYMPTOMS OF THREATS

Worldwide tendency to decrease interest rates is a major threat tothe Polish banks in the long term. In the future, the traditional way of conducting banking activities will have to be modified. The starting point forcreating new strategies for Polish banks should be to depart from net interestincome as the core model of generating banking income and embrace theprompt development of broadly understood non-interest activities such asprivate equity. Shift from typical of commercial banking sector loan-depositto capital market activity may create many benefits for the Polish bankingsystem.