PKO BP Group

PKO Bank Hipoteczny

We specialize in mortgages for retail customers.

PKO TFI

With us, you will have a choice from over 60 types of funds, investment plans and pension products (PPK, PPE, IKZE+IKE pension package).

We enable our customers to build their own pension schemes using PKO Personal Retirement Provision Accounts (PKO IKZE) or PKO Personal Pension Accounts (PKO IKE) within PKO Voluntary Pension Fund (PKO DFE).

PKO Leasing

We provide financing in the form of leases or loans, regardless of the customer’s size, industry and line of business: for vehicles, machinery, equipment, capital investment projects and IT equipment.

PKO Faktoring

We develop factoring services on the basis of individual needs of our customers.

PKO BP Finat

Through our Transfer Agent, we assist our customers in keeping registers and accounting for investment, pension and equity fund participants, as well as providing support in the bookkeeping for the funds and companies, in IT services and the managing of Employee Equity Plans.

PKO Ubezpieczenia

PKO Insurance comprises PKO Życie Towarzystwo Ubezpieczeń and PKO Towarzystwo Ubezpieczeń - together we offer insurance products for customers.

KREDOBANK

We also have a presence in Ukraine with our banking services.

The Bank's Capital Group consists of PKO BANK POLSKI S.A. as the parent company, entities directly controlled and entities indirectly controlled by the Bank. Below, the composition of the Banks’ Group as of 31 December 2023.

PKO Bank Polski S.A.

100*PKO Bank Hipoteczny S.A. (banking activities, Warsaw)
100*PKO Towarzystwo Funduszy Inwestycyjnych S.A. (investment funds management, Warsaw)
100*PKO BP BANKOWY PTE S.A. (pension funds management, Warsaw)
100*PKO Leasing S.A. (leasing services and lending, Warsaw)
- 100*PKO Agencja Ubezpieczeniowa sp. z o.o. (insurance agency, Warsaw)
- 100*PKO Leasing Sverige AB (leasing services, Stockholm, Sweden)
- 100*Prime Car Management S.A. (leasing services and fleet management, Gdańsk)
- --*Polish Lease Prime 1 DAC¹ (special purpose entity for securitization of lease receivables, Dublin, Ireland)
- 100*PKO Faktoring S.A. (factoring services, Warsaw)
100*PKO BP Finat sp. z o.o. (services, including transfer agent services and outsourcing of IT specialists, Warsaw)
100*PKO Życie Towarzystwo Ubezpieczeń S.A. (life insurance, Warsaw)

100*Ubezpieczeniowe Usługi Finansowe sp. z o.o. (services, Warsaw)

100*PKO Towarzystwo Ubezpieczeń S.A. (other personal and property insurance, Warsaw)
100*PKO Finance AB (financial services, Sollentuna, Sweden)
100*KREDOBANK S.A. (banking activities, Lviv, Ukraine)

100*'KREDOLEASING' sp. z o.o. (leasing services, Lviv, Ukraine)

100*Merkury – pa cif^2,3 (placement of funds collected from fund members, Warsaw)

100*'Zarząd Majątkiem Górczewska' sp. z o.o. (real estate management, Warsaw)
100*Molina spółka z ograniczoną odpowiedzialnością (general partner in limited joint-stock partnership entities of the fund, Warsaw)
100*Molina spółka z ograniczoną odpowiedzialnością 1 S.K.A.
(purchase and sale of real estate for own account, real estate management, Warsaw)
100*Molina spółka z ograniczoną odpowiedzialnością 2 S.K.A. in liquidation (Warsaw)
100*Molina spółka z ograniczoną odpowiedzialnością 4 S.K.A. in liquidation (Warsaw)
100*Molina spółka z ograniczoną odpowiedzialnością 6 S.K.A. in liquidation (Warsaw)

100*NEPTUN – pecif^2,3 (placement of funds collected from fund members, Warsaw)

100*Bankowe Towarzystwo Kapitałowe S.A. (services, Warsaw)

99.90*

'Inter-Risk Ukraina' additional liability company⁴ (debt collection services, Kiev, Ukraine)

95.47*Finansowa Kompania 'Prywatne Inwestycje' sp. z o.o.⁵ (financial services, Kiev, Ukraine)

100*Finansowa Kompania 'Idea Kapitał' sp. z o.o. (services, Lviv, Ukraine)

72.98*'Sopot Zdrój' sp. z o.o. (real estate management, Sopot)
100*Qualia sp. z o.o. (after-sales services of developer products, Warsaw)
100*Sarnia Dolina sp. z o.o. (real estate development, Warsaw)

100*PKO VC – pecif² (placement of funds collected from fund members, Warsaw)

* % share in equity as at 31.12.2023

Pursuant to IFRS 10, PKO Leasing S.A. exercises control over the company, even though it does not have an equity interest in the company.
PKO Bank Polski S.A. has investment certificates of the fund; the share of possessed investment certificates of the fund is presented in the position ‘share in equity’.
The Bank's Management Board approved the merger of the investment funds NEPTUN - fizan (the acquiring fund) and Mercury - fiz an (the acquired fund) by transferring the assets of the acquired fund to the existing acquiring fund and allocating investment certificates of the acquired fund to a participant of the acquiring fund in exchange for investment certificates of the acquired fund. With regard to the continuation of the operations of the Merkury – fiz an fund by NEPTUN – fizan. Aforementioned merger was effected on 30 January 2024.
The second shareholder of the company is Finansowa Kompania ‘Prywatne Inwestycje’ sp. z o.o
The second shareholder of the company is ‘Inter-Risk Ukraina’ additional liability company.

II. JOINT VENTURES AND ASSOCIATES

PKO Bank Polski S.A. and its directly controlled entities hold jointly controlled entities and associates.
Below, the list as of 31 December 2023.

Joint ventures of PKO Bank Polski S.A.

Joint venture of NEPTUN – pecif

PKO Bank Hipoteczny

PKO TFI

PKO BP Bankowy PTE

PKO Leasing

PKO Faktoring

PKO BP Finat

PKO Ubezpieczenia

KREDOBANK

I. PKO BANK POLSKI S.A. GROUP

The Bank's Capital Group consists of PKO BANK POLSKI S.A. as the parent company, entities directly controlled and entities indirectly controlled by the Bank. Below, the composition of the Banks’ Group as of 31 December 2023.

II. JOINT VENTURES AND ASSOCIATES

PKO Bank Polski S.A. and its directly controlled entities hold jointly controlled entities and associates.
Below, the list as of 31 December 2023.

PKO Bank Hipoteczny

PKO TFI

PKO BP Bankowy PTE

PKO Leasing

PKO Faktoring

PKO BP Finat

PKO Ubezpieczenia

KREDOBANK

I. PKO BANK POLSKI S.A. GROUP

The Bank's Capital Group consists of PKO BANK POLSKI S.A. as the parent company, entities directly controlled and entities indirectly controlled by the Bank. Below, the composition of the Banks’ Group as of 31 December 2023.

II. JOINT VENTURES AND ASSOCIATES

PKO Bank Polski S.A. and its directly controlled entities hold jointly controlled entities and associates. Below, the list as of 31 December 2023.

PKO Bank Polski S.A. and its directly controlled entities hold jointly controlled entities and associates.
Below, the list as of 31 December 2023.