[GRI 102-3] The Bank's Capital Group is a leading financial institution in Central and Easter Europe with the bank's head office located in Warsaw. [GRI 102-5] PKO Bank Polski, the parent entity of the group, is a joint-stock company listed on the Warsaw Stock Exchange since 2004. It is the largest commercial bank in Poland in terms of its asset value and equity, value of loans and deposits, size of its distribution network, and number of customers and employees. [GRI 102-2] It is a universal bank providing deposit and lending services to individuals and legal entities, conducting its operations in the retail, and corporate and investment segments.
The bank has 12 direct subsidiaries in which it holds 100% of shares. [GRI 102-43] Due to such ownership structure of the group, the subsidiaries report directly to the bank, which acts as their parent entity. Through its subsidiaries, the group offers mortgage loans and other specialized financial services including leasing, factoring, investment funds, pension funds and insurance, fleet management services, transfer agent services, technological solutions and real estate management, as well as conducting banking operations, and providing debt collection and financial services. [GRI 102-7] The bank offers its services through a network of 975 branches and 447 agencies in Poland, and delivers them to 11 mln retail customers and 17 thousand corporate customers. [GRI 102-4, 102-6] The group operates in the territory of the Republic of Poland. Through its subsidiaries it also operates in Ukraine, Sweden and Ireland, and through its branches in Germany, Czech Republic and Slovakia. [GRI 102-9] It cooperates with business partners as a buyer of goods and services, and as a principal for the agency and outsourcing services.
|Customers of the bank |
in the retail segment
|Customers in the corporate |
and investment segment
Branches and agencies of PKO Bank Polski at the end of 2021
The group stands out on the Polish market in terms of its high financial results, which ensure its stable and safe development. At the end of 2021, the bank was the largest company listed on the WSE, its value during the last session reaching PLN 56.2 billion. The results of the European stress tests confirm that PKO Bank Polski is one of the safest banks in Europe.
PLN 418 bln
PLN 56.2 bln
|Assets of the PKO Bank Polski |
Group at the end of 2021
|Market value of the bank |
at the end of 2021
Share in the loans market
The group retains leading shares in the Polish savings market (19.2%), loans (17.4%) and the market for investment funds of individuals (19.9%). PKO Bank Polski is a leader in terms of the number of current accounts and payment cards maintained. The group’s portfolio of financing granted to customers in 2021 stood at PLN 248 billion. By the end of 2021, amounts due to customers reached over PLN 322 billion.
[GRI 102-13] The bank is a member of many industry and regional organizations (e.g. Association of Polish Banks, Credit Information Bureau, NATO Industry Cyber Partnership, Institute of International Finance), and many business organizations such as chambers of commerce and business associations (e.g. Polish Association of Listed Companies, Association of Entrepreneurs and Employers, Federation of Polish Entrepreneurs).