a loan database and information for management support) for housing loans
which will be linked to BISE's overall accounting software. The program is not
ready yet.
!
Mortgage Fund Fundusz Hipoteczny.
All data from applications (with
attachments) are stored in electronic form. A special monitoring computer
program (MINISAK) had been prepared for the Mortgage Fund (BudBank with
all participating banks) but has never been fully implemented. No analyses were
made of the current portfolio, marketing environment etc.
In summary, the majority of banks in Poland engaged in real estate lending collect
a reasonably extensive set of data describing loan and borrower characteristics. However,
in most cases, the data are not yet computerized. As might be expected, only those
lenders with relatively large portfolios have computerized much of the information (PKO
BP, PamBank, and BISE). In addition, the portion of the data that are computerized relate
primarily to information needed by the accounting and monitoring functions, rather than
borrower or project characteristics. Since real estate finance is a fairly new activity in
Poland, this is not surprising. In the future, however, PBA might encourage the banks to
computerize more of the information that would facilitate analyses of loan behavior over
time and borrower characteristics. Even is this were done on a sample basis, it would be
useful to the banks in their future underwriting and servicing decisions, as well as serve
as the basis for an industry wide analysis of trends in Poland.
III 3
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