Kurs franka szwajcarskiego w wybranych bankach w Polce w kontekście kredytów hipotecznych

Abstract

The purpose of the article. The aim of the article is to assess the marketability of the CHF/PLN offer rate of selected banks in Poland in the years 2006-2023. This problem is important due to mortgage loans in foreign currencies, which were related to the obligatory purchase of the loan currency from the bank that raised questions among borrowers about the market nature of the rates offered by financial institutions.Methodology. The analysis of the offer CHF/PLN exchange rates was carried out in the Python environment using tools for examining exchange rate volatility and assessing the distribution of margins offered by selected banks.Results of the research. The research results showed that the margin policy changed in banks during the analyzed period and depended on market factors such as the strengthening of the Swiss currency due to the liberalization of its exchange rate. It was also found that there was no interference in formation of exrates, and they behaved in accordance with the trends set by Forex and competition.