PKO Bank Polski for nearly one hundred years has been consistently building its credibility, ensuring the safety of entrusted funds and financing the needs of the next generations of Polish families and companies. We are aware of the brand value of our Bank, we remember about its roots and we take care of century-old traditions. At the same time we are always looking for new solutions and we improve all processes in the Bank. While creating products and services that set new trends in the market, we are a forerunner of innovation, setting the tone of discussion about the future of domestic financial industry.
The PKO Bank Polski Group is one of the largest financial institutions in Poland, and it is also one of the leading financial groups in Central and Eastern Europe. We are the undisputed leader of the Polish banking sector, both in terms of scale of operations, as well as equity, assets, number of customers and the extent of the distribution network.
Today, we are a strong and modern universal bank that combines traditionally dominant role in the retail sector with the gradual strengthening of the market position of the corporate and investment segments. Since 2014 we have built our position in the insurance industry, developing modern bancassurance model, using assets acquired in the acquisition process of Nordea Group companies.
For years, we continuously increase its value for shareholders by bringing solid and stable profits and consolidating market share in key business categories. At the end of 2017, our market share of deposits was 17.9 per cent, and in the loans market 17.7 per cent.
We are a leader in the Polish banking sector in terms of number of current accounts, payment cards issued and the value of mortgage loans. At the end of 2017 our customers have been able to benefit from 1,192 branches, 745 agencies and 3190 ATMs. In parallel with the improvement of service in institutions we actualize the idea of omnichannel which is close to us. We systematically develop the range and quality of the electronic banking services (offered under the brand name of iPKO and within Inteligo), and IKO mobile banking shared in 2013. Our customers appreciate the innovative solutions offered to them, which is reflected in the dynamic growth of the number of users of remote channels.
We are proud of the confidence that customers place in us every day. A valuable confirmation of the validity of our business philosophy are invariably high credit ratings, assigned by rating agencies.
Companies included in the PKO Bank Polski Group constitute a kind of product “factories”. Their structure is systematically and consistently developed, so that our customers can use the full range of modern, complementary financial solutions, from banking and brokerage products through specialised financial services in the area of leasing, factoring, investment funds, pension funds and life insurance companies and support in conducting their business. Since March 2015 our Group also operates Mortgage Bank. The PKO Bank Polski Group is also active in Ukraine (through subsidiaries: KREDOBANK SA, “Inter-Risk Ukraine” Company with additional responsibility, Financial Company “Prywatne Inwestycje” Sp. z oo, Financial Company “Idea Kapitał” Sp. z oo) and in Sweden (PKO Finance AB and PKO Leasing Sverige AB.
Employment in the PKO Bank Polski Group exceeds 29 thousand posts. Being one of the largest Polish employers, we are aware that the quality of human resources management is one of the main factors influencing the financial results. Therefore, we attach great importance to promote the growth of intellectual and social capital, creating the right conditions to ensure that organizational culture helped creative cooperation and integration of employees around a common, clearly defined business objectives.
For years we have been devoted to the idea of corporate social responsibility. Established in 2010, the Foundation of PKO Bank Polski implements numerous initiatives for the public good, including in the field of education, upbringing, social assistance, protection and promotion of health, arts and culture, and environmental protection.