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PKO Bank Polski Corporate Group

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 30 June 2025.

PKO Bank Polski S.A.

  • Share: 100* - direct subsidiary
    Profile: banking activities
    Headquarter: Warsaw, Poland

  • Share: 100* - direct subsidiary
    Profile: investment funds management
    Headquarter: Warsaw, Poland

  • Share: 100* - direct subsidiary
    Profile: pension funds management
    Headquarter: Warsaw, Poland

  • Share: 100* - direct subsidiary
    Profile: leasing services and lending
    Headquarter: Warsaw, Poland


    Indirect subsidiaries

      • 100* - PKO Agencja Ubezpieczeniowa sp. z o.o. (insurance agency, Warsaw, Poland)

          • 100* - PKO Leasing Finanse sp. z o.o. (sale of post-leasing items, Warsaw, Poland)

      • 100* - PKO Leasing Sverige AB (leasing services, Stockholm, Sweden)

      • 100* - Prime Car Management S.A. (leasing services and fleet management, Gdańsk, Poland)

          • 100* - Futura Leasing S.A. (sale of post-leasing items, Gdańsk, Poland)
          • 100* - Masterlease sp. z o.o. (leasing services, Gdańsk, Poland)
          • 100* - MasterRent24 sp. z o.o. (short-term rental, Gdańsk, Poland)

      • --* - Polish Lease Prime 1 DAC1 (in liquidation, special purpose entity for securitization of lease receivables, Dublin, Ireland)

      • 100* - PKO Faktoring S.A. (factoring services, Warsaw, Poland)

  • Share: 100* - direct subsidiary
    Profile: services, including transfer agent services and outsourcing of IT specialists
    Headquarter: Warsaw, Poland

  • Share: 100* - direct subsidiary
    Profile: life insurance
    Headquarter: Warsaw, Poland


    Indirect subsidiary

      • 100* - Ubezpieczeniowe Usługi Finansowe sp. z o.o. w likwidacji (in liquidation, services, Warsaw, Poland)

  • Share: 100* - direct subsidiary
    Profile: other personal and property insurance
    Headquarter: Warsaw, Poland

  • Share: 100* - direct subsidiary
    Profile: financial services
    Headquarter: Sollentuna, Sweden

  • Share: 100* - direct subsidiary
    Profile: banking activities
    Headquarter: Lviv, Ukraine


    Indirect subsidiary

      • 100* - „Kredoleasing" sp. z o.o. (leasing services, Lviv, Ukraine)

  • Share: 100* - direct subsidiary
    Profile: placement of funds collected from fund members
    Headquarter: Warsaw, Poland

    Indirect subsidiary

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

          • 99,90* - „Inter-Risk Ukraina"  additional liability company3 (debt collection services, Kiev, Ukraine)
          • 95,47* - Finansowa Kompania „Prywatne Inwestycje” sp. z o.o.4 (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, Poland)

      • 100* - Qualia sp. z o.o. (after-sales services of developer products, Warsaw, Poland)

      • 100* - Sarnia Dolina sp. z o.o. w likwidacji (in liquidation, real estate development, Warsaw, Poland)

      • 100* - „Zarząd Majątkiem Górczewska” sp. z o.o. (real estate management, Warsaw, Poland)

      • 100* - Molina sp. z o.o. w likwidacji (in liquidation, Warsaw, Poland)

      • 100* - Molina spółka z ograniczoną odpowiedzialnością w likwidacji 1 S.K.A. w likwidacji (in liquidation, Warsaw, Poland)

      • 100* - Molina spółka z ograniczoną odpowiedzialnością 4 S.K.A. w likwidacji (in liquidation, Warsaw, Poland)

      • 100* - Molina spółka z ograniczoną odpowiedzialnością 6 S.K.A. w likwidacji (in liquidation, Warsaw, Poland)

  • Share: 100* - direct subsidiary
    Profile: placement of funds collected from fund members
    Headquarter: Wasaw, Poland

* % share in equity as at 30.06.2025

  1. 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.
  2. 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’.
  3. The second shareholder of the company is Finansowa Kompania ‘Prywatne Inwestycje’ sp. z o.o
  4. 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 30 June 2025.

Join Venures of PKO Bank Polski S.A.

  • Share: 50* - direct subsidiary
    Profile: cloud computing services
    Headquarter: Warsaw, Poland

  • Share: 34*
    Profile: placement of funds collected from fund members
    Headquarter: Warsaw, Poland

     

    Joint venture subsidiary:

    • 100* - EVO Payments International s.r.o. (activities supporting financial services, Prague, Czech Republic)

Joint venture of NEPTUN – pecif

  • Share: 41.45 - direct subsidiary
    Profile: real estate management
    Headquarter: Poznań, Poland

Joint venture of PKO VC – pecif

  • Share: 35.06 - direct subsidiary
    Profile: managing marketing consents
    Headquarter: Stalowa Wola, Poland

Associates of PKO Bank Polski S.A.

  • Share: 33.33 - direct subsidiary
    Profile: guarantees
    Headquarter: Poznań, Poland

  • Share: 25.0001 - direct subsidiary
    Profile: banking activities
    Headquarter: Bydgoszcz, Poland

  • Share: 21.11 - direct subsidiary
    Profile: the unit managing the security system referred to in art. 130e of the banking law
    Headquarter: Warsaw, Poland

* % share in equity as at 30.06.2025