Key Takeaways 


Resilient performance in a volatile environment
Despite economic volatility, banks in CEE have remained among the most resilient in Europe. The report attributes these outcomes to strong prudential supervision, conservative capital buffers and an increasingly sophisticated regulatory culture across the region. Together, these factors have allowed banks to navigate post-pandemic inflationary shocks and global uncertainty while maintaining sustainable growth trajectories.

Digital transformation
The adoption of artificial intelligence, no-code platforms and hybrid cloud systems has become a cornerstone of operational strategy, with leading institutions investing heavily in automation and data-driven innovation. This shows  a significant section of the wave of digital transformation reshaping the CEE banking industry. 

Securitisation and capital efficiency
Beyond digital transformation, the study reveals how securitisation is evolving from a compliance requirement into a key driver of business expansion. CEE banks have increasingly participated in this growth through transactions in Poland, the Czech Republic, Slovakia and Bulgaria.

Future outlook
Looking ahead, the report points to new supervisory priorities that will shape how banks plan and respond - such as climate and geopolitical risks, ESG principles and foreseen challenges.


Report Content 

Redefining financial frontiers
Central and Eastern European strategic resilience in banking: outlook 2025

    • Foreword & Executive summary
    • Banking performance across CEE: profitability and efficiency
    • Capital strength and financial stability
    • Credit markets: penetration and pricing dynamics
    • Deposit and loan market dynamics
    • Risk management practices and NPL evolution
    •  EU and the CEE: global fragmentation in banking leads to strategic choices ahead
    • Beyond compliance: how securitisation regulation powers business growth in CEE
    • AI in banking: managing compliance and transformation in CEE
    • Stress testing the future: climate risk, regulation and readiness in CEE


       

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