This article presents factors which influence creation of regional housing economy potential. Such factors, according to public statistics, include heat engineering, housing benefits, renovations and modernizations, quantity and quality of web devices and status of housing resources. The author has chosen some factors, from those mentioned above, taking into consideration sustainable regional development with particular focus on social and economic dimension. In the calculative part, the author used multidimensional comparative analysis allowing for parametrization and analysis of the examined areas. Application of multidimensional comparative analysis showed potential of housing economy development in the chosen areas related to housing resources. The use of multi-criteria approach allows the simultaneous consideration of several dimensions of regional development, which allows the calculation of an integral multidimensional development index.
PL
W artykule przedstawiono czynniki wpływające na tworzenie potencjałów regionalnych gospodarki mieszkaniowej. Do czynników tych według statystyk publicznych zalicza się ciepłownictwo, dodatki mieszkaniowe, ubytki w mieszkaniach, remonty i modernizacje, ilość i jakość urządzeń sieciowych oraz stan zasobu mieszkaniowego. Wymienione czynniki wykorzystano do analizy gospodarki mieszkaniowej województw, ze szczególnym uwzględnieniem wymiaru społecznego i gospodarczego. W artykule w części obliczeniowej wykorzystano wielowymiarową analizę porównawczą, pozwalającą na parametryzację i analizę badanych województw. Uwzględnienie analizy wielowymiarowej w badaniu rozwoju regionalnego, daje m.in. możliwość obliczenia integralnego wskaźnika rozwoju.
Research background: The analysis allows to assess the impact of the industry structure of the credit portfolio on the resistance of commercial banks to the crisis resulting from the COVID-19 pandemic. It uses two independent methods to measure the impact of the pandemic on industry risk and the methodology allowing to prioritize industries in terms of potential negative effects of the crisis. Purpose of the article: The aim of the research is to assess the resilience of commercial banks operating in the Polish banking sector to the potential effects caused by the COVID-19 pandemic. The diagnostic features of 13 commercial banks were selected for its implementation. Methods: Two linear ordering methods were used, namely the Hellwig method and the TOPSIS method. The following were used as the criteria for parametric assessment of the resilience of commercial banks: capital adequacy, liquidity level, profitability of business activity, share in the portfolio of exposures with recognized impairment and the resilience of the bank's credit portfolio to the risk resulting from the exposure in economic sectors. These sectors were classified according to the level of risk associated with the effects of the crisis caused by the COVID-19 pandemic. Findings & Value added: The study allows to conclude that the largest banks conducting their operations in Poland are the most resistant ones to the consequences of the pandemic. At the same time, the banks most vulnerable due to the crisis were identified. The conclusions can be used, inter alia, in the process of managing the financial system stability risk and contribute to the discussion on the impact of the pandemic on the condition of commercial banks in emerging markets.