The bank’s strategy assumes much more frequent contact with clients and success is already noticeable here. According to Finalta McKinsey’s report, in the case of active users of the IKO app, they log in to it on average 1/3 times more than the users of other banks in Poland and in Europe. This makes 29 log-ins per month with the average of 20 log-ins for Polish and European banks. Easier digital processes and an extensive offer of additional products (the so-called beyond banking) make the clients more willing to use them.
says Aleksandra Sroka-Krzyżak, head of the Strategy Department
The clients’ instructions are dominated by transaction orders, such as transfers or topping ups, searching for a function in the IKO app and inquiries about products or services. We can also see that in the course of time, the clients are testing the potential of the system asking new, more difficult questions - some of them refer to, e.g., current events such as the coronavirus pandemic, governmental aid schemes for enterprises or even... the release of Cyberpunk. We are continually working to meet the ever growing clients’ requirements and are developing the Assistant’s linguistic skills and its new functions.
says Kamil Konikiewicz, director of the AI Development Office
These distinctions and high positions in prestigious rankings, based on objective criteria and assessments of independent experts show the appreciation for great acceleration of the bank’s digital development in the recent years. 1 million talks with the bank's AI, over 1 billion log-ins to IKO and the first place in the Finnoscore ranking, along with top position in the Bain & Co. rating testify that PKO Bank Polski remains a strong number one in the Polish banking sector, also the digital one.
summarises Szymon Wałach, Head of the Digital Strategy and Transformation Division
PKO Bank Polski is the indisputable leader at the Polish banking sector. After three quarters of 2020, its’ consolidated net profit amounted to PLN 2.02 billion and the value of assets PLN 377 billion. The Bank is the basic supplier of financial services for all segments of clients, having highest shares at the market of deposits (18.4%), credit (17.6%), lease (11.2%) and investment funds for natural persons (22.2%). Having over 9.55 million pay cards, the Bank is the largest issuer of debit and credit cards in Poland. Thanks to the development of digital tools, including IKO, which has been activated almost 5 million times by the end of the third quarter of 2020, PKO Bank Polski has become the most mobile bank in Poland. The Capital Group companies reinforce the Bank’s strong position. PKO Bank Polski Brokerage House is the leader with respect to the number and the value of IPO and SPO transactions on the capital market.