The following comments summarize the situation with regard to each of the

interviewed banks:

!

GBW   Gospodarczy Bank Wielkopolski.

  The bank has access to information

stored in the loan applications (which include various attachments). No analyses

have been made of current portfolios, marketing environment, etc. The

information is not computerized, with the exception of the data used to calculate

the amount of the payment.

!

PAM Bank   Polsko Amerykanski Bank Hipoteczny.

  The bank has a large

computerized database, begun in 1996. A significant amount of the total

information collected is stored electronically. Analyses of customer profile have

been done by the marketing department. Some types of information (especially

borrower characteristics) are not stored in electronic form, but are available from

the applications and attached documents (PamBank always asks its customers

for a large number of documents).

!

PKO BP   Powszechna Kasa Oszczednosci (Krakow) and PKO BP  

Powszechna Kasa Oszczednosci (Warsaw).

  Fairly extensive real estate

finance data is collected and the full set is stored manually in a special card 

index.  Some  information on loans and credit project characteristics is available

in electronic form through PKO's monitoring system: the KDO system is used to

register and monitor payments of the  ALICJA  (indexed) type of loan and the

so called KDH to monitor payments of other loan types.

!

LG PETROBANK.

  In October 1998, the bank began to expand its housing

lending. The previously existing portfolio (originated before their new efforts at

expansion started) consists of no more than 50 loans. It is relatively difficult to

obtain information from the files, because a large number of the housing loans

were called  consumption loans  and had no separate file. The bank has not yet

analyzed its current portfolio profile.

!

PeKaO S.A.   Polska Kasa Opieki and PBG   Powszechny Bank

Gospodarczy.

  These banks act as a group, currently finishing preparations for

full consolidation. All data from applications (with attachments) are stored in

electronic form in the branches, but are not available on a nation wide level. No

analyses have been made of the current portfolio, marketing environment, etc.

Only a small amount of information (i.e., loan amount, terms of credits) is used

in the monitoring system.

!

BISE   Bank Inicjatyw Spo

eczno Ekonomicznych.

  Only some data are

stored in electronic form. Analyses of customer profiles have been done several

times, but only on samples. The bank is preparing a computer program (for both

III 2