About Us

PKO Bank Polski is Poland's largest bank and one of its oldest in continuous operation. Over the recent years, we went on to consolidate our market leadership, particularly in terms of new loan originations, while at the same time becoming the largest banking institution of the CEE region; this against the backdrop of mounting competition and global economic turmoil and financial crisis. The Bank has demonstrated superb financial performance while exercising a prudential approach to risk taking; guided by its mission of delivering strong and sustainable returns to its shareholders.

Largest sales network

PKO Bank Polski has build up shareholder value as it channelled its efforts and skills into delivering new solutions to the market and fine tuning its responses to the needs and expectations of its customers. The Bank continually expands its product range and innovates its product classics. It also operates the largest banking network in Poland that consists of over 1,200 branches and nearly 2,000 smaller outlets. The Bank constantly adds new ATMs and other service terminals, and rapidly expands new distribution outlets, particularly the electronic banking channel, which it offers under the iPKO brand. PKO Bank Polski has practically always been the leader in savings and checking accounts (over six million in operation) and issuance of banking cards (in excess of seven million). Our highly committed team of over 27,000 applies itself daily to the task of providing superior quality customer service and to strengthening the Bank's market position. A top financial performer, PKO Bank Polski invests in professional development of those working to achieve the supreme results: building core values that underpin managerial acumen and teamwork skills, which are in turn integrated into the corporate compensation schemes and career development paths.

Partner to companies and local governments

PKO Bank Polski is a universal bank. Without in any way relinquishing its long-established position of leadership in the retail banking market, it has expanded its business over the recent years to becoming the leading financier for the Polish corporate sector. Though one of the Bank's younger business lines, corporate banking has grown in strides; now forming one of the pillars of the organisation. It makes a significant contribution to the Bank's results and its market position has been gaining in strength. The number of clients the corporate segment serves is approaching 11,000. PKO Bank Polski is also a leading partner for the local government administrations of each of the three tiers (the gmina municipalities, the powiat counties and the województwo provinces), among others, as the prime arranger of municipal bond issues. In the years 1997-2010 the Bank arranged bond issues for 175 municipalities , 28 counties and five provinces totalling over PLN 4 billion. Its extensive experience permitted equally successful arrangement and launch of projects for Poland's the largest cities, such as Bydgoszcz, Cracow and Warsaw, as well as for small municipalities. The Bank's portfolio includes, among others, the pioneering bond issue for a province (Wielkopolskie Province) as the first post-war municipal bond issue for Warsaw (its Białołęka district). In September 2009 PKO Bank Polski arranged the first municipal bond issue traded on the Catalyst market (for the municipality of Radlin in the Śląskie Province). The Warsaw bond of February 2011 was the 500th issue the Bank arranged.

Social commitment

PKO Bank Polski has espoused the principles of corporate social responsibility (CSR). It willingly pursues initiatives that serve the communities in which it operates. Each year it supports projects of national and of local outreach that address varied aspects of social life, including education, sports, culture and the arts, and preservation of national heritage. The Bank also lends financial support to social action programmes. It anticipates the PKO Bank Polski Foundation it established in 2010 will have expanded its CSR capabilities. The foundation's statutory mission is the support of persons and organisations engaged in charitable work. For more than 75 years now PKO Bank Polski has been contributing to financial education of many generations of young Poles through its school savings unions programme. At present, the scheme has more than 140,000 student participants in close to 2,000 schools. Within the school year of 2009/2010 total amount of the funds collected and registered the programme's savings books was of the order of PLN 13 million. The Szkolne Kasy Oszczędności school savings unions constitute a comprehensive programme that responds to the social demand for financial education and contributes to development of a society that is prepared to take informed savings, borrowing and investment decisions.

Strengthening the position of leadership

Financial strength of PKO Bank Polski locates it at the top of the Polish banking sector's league tables. The winning titles granted to the Bank in numerous highly regarded rankings and competitions also attest to its unique market position. PKO Bank Polski is the Commercial Banks category winner of the Book of Lists 2011 ranking ran by the publishers of the Warsaw Business Journal. It is also the winner of the Złoty Bankier 2010 competition, in which its "Max Pożyczka Mini Rata" was deemed the Best Cash Loan product of the year; the "Kredyt Obrotowy MSP" (working capital credit line for the SME sector) was recognised as the Best Small Company Loan; and the "PKO Ekspres" EMV standard debit card gained the experts' approval as the Most Innovative Product of 2010. PKO BP is also the winner of the competition for the title of the Entrepreneur-Friendly Bank and a holder of the Customer-Friendly Bank certificate. A recent research report of MillwardBrown SMG/KRC established that the Bank is the most trusted of the surveyed financial institutions: three-fourths of the respondents trusts in its financial stability. PKO Bank Polski also has a confirmed highest brand recognition of all Polish corporates; the top of the Press magazine's Top Brand ranking. PKO BP is also the highest worth brand in the Polish banking market. The Banker magazine experts have put its value at USD 1 billion while the Rzeczpospolita daily's Polish Brands 2010 ranking sets the valuation at PLN 3.6 billion.