PKO Bank Polski provides large-scale support for economic development. Nearly PLN 300 billion in financing, and that's not all. The PKO Bank Polski Group has presented its financial results for the first quarter of 2025

2025.05.13

PLN 531 billion in assets (+8.2 percent year on year) and 12.2 million customers (+238,000 year on year) – PKO Bank Polski is still the biggest bank in Poland.
Increased and strengthened its leading position in key business segments: corporate, consumer and housing loans.
PLN 299.8 billion in financing granted at the end of the first quarter of 2025 and potential to increase the lending portfolio by at least another PLN 100 billion.
Net profit of PLN 2.5 billion, return on equity (ROE) of 18.6 percent. and effective cost management (cost-to-income ratio of 33.3 percent) and risk management (cost-to-risk ratio of 31 basis points) – PKO Bank Polski is building the capital necessary to finance the economy on a large scale.

PKO Bank Polski remains the largest bank in the country. After the first quarter of 2025, it strengthened its position as number one in key business segments: corporate and consumer loans. Trust in the bank and its ability to finance the economy on a large scale is growing.

Nearly PLN 300 billion to support the economy

PKO Bank Polski has over 12 million customers, which makes it not only the leader in the sector, but also an institution that provides real support for the everyday needs of families, businesses and the Polish economy. Nearly one in three residents of Poland and nearly one in five companies in the country are clients of the bank.

At the end of the first quarter of 2025, the total value of financing granted by PKO Bank Polski, PKO Leasing and PKO Faktoring: loans to corporate clients (enterprises and local governments) and individual clients, as well as leasing and factoring, amounted to PLN 299.8 billion.

– We are expanding our operations. And we are changing – we use the word ‘client’ in every possible context at the bank, because we strive to provide financing wherever people consume the world and companies develop. Only in the first quarter, we were involved in financing the largest transactions of companies such as CCC, Inpost and the Play network operator

– said Szymon Midera, President of the Management Board of PKO Bank Polski.

In the first quarter of 2025, PKO Bank Polski expanded and strengthened its market share and position as number one in key business segments: in the corporate loan segment to 14.1 percent, consumer loans to 19.8 percent, and housing loans to 26.1 percent.

The value of savings and investments of individual and corporate clients of the PKO Bank Polski Group also increased by 12.4 percent year on year, to PLN 615 billion. Clients' tendency to save is growing, so the bank is going further and adding a systematic savings deposit called ‘Mój kapitał’ (My Capital) to its offer. This is a five-year deposit with a variable interest rate equal to the NBP reference rate (currently 5.25 percent) minus 0.5 percentage points. It thus offers competitive interest rates on savings and teaches systematic saving. It was the first on the market to respond to regulatory recommendations aimed at strengthening the position of banks in the area of financing mortgage loans with long-term deposits.

Income from core activities (interest income, commission income and insurance income) increased by 11.2 percent.

PLN 100 billion in new loan portfolio available right away

In the first quarter of 2025, the bank generated a solid profit of PLN 2.5 billion, which strengthens its capital. A high capital surplus above regulatory requirements (+4.7 percentage points) gives the bank the potential to increase its loan portfolio.

- We have sufficient capital resources to independently launch PLN 100 billion in financing. And as a leading bank participating in consortia with other banks, we can do much more. The Polish banking sector is capable of taking on a greater share of financing investment projects than it has done so far, both large-scale projects of strategic importance for the state, such as infrastructure, defence, energy and technological transformation, and development projects for enterprises,

stated Szymon Midera, President of the Management Board of PKO Bank Polski.

Capital security, risk under control

The NPL ratio, which determines the quality of the loan portfolio, amounted to 3.65 percent at the end of the first quarter of 2025. The Bank keeps the cost of risk under control and consistently below the levels adopted in its strategy. The Bank also maintained a secure capital and liquidity position. The total capital ratio of the PKO Bank Polski Group was 17.21 percent, and the Tier 1 ratio reached 16.13 percent.

Security, stability and reliability are the attributes of the brand that make PKO Bank Polski the market leader. This is also confirmed by the results of the survey for the first quarter of 2025.

***

PKO Bank Polski is the largest bank in Poland, and institution with over 100 years of tradition. We provide financial services to more than 12 million individual, business, corporate and local government customers. Thanks to the IKO application, we are the most mobile bank in Poland. Every second we settle in over 30 transactions by IKO. We process around one million inbound and outbound transfers every day. We are in 314 counties, and 75% of Poles have less than 5 km from home to us. The expansion of our clients is supported by the bank's corporate branches in Germany, Czech Republic, Slovakia and Romania. Through the PKO Foundation, we initiate and implement social projects. We are also involved in supporting culture and sports. PKO Bank Polski Capital Group provides the most comprehensive offer of financial services in Poland. It includes, among others, a company operating in the leasing, pension insurance, investment funds and factoring. The stock market capitalization of PKO Bank Polski at the end of 2024 amounted to PLN 74.7 billion.
#no. 1 and Full Stop

Michał Zwoliński

Press Center

prasa@pkobp.pl

Financial results

Ahead of the market. The PKO Bank Polski Group presents its results for 2024.

2025.03.13

· For the PKO Bank Polski Group, 2024 was a period of very dynamic growth and development, publication of the new strategy for 2025-2027 ‘Number 1 and Full Stop’, and, above all, following the needs of its clients.

Financial results

PKO Bank Polski has reported another good quarter. The results are a solid basis for the implementation of the growth strategy ‘Number 1 and full stop’.

2024.11.07

• PKO Bank Polski, the largest bank in Poland, increased its total assets to PLN 512 billion (+8.2% year-on-year) and the number of customers to 12.1 million at the end of September 2024.

Financial results

Strong growth in retail business, investments in new products and taking advantage of favourable market conditions resulted in a consolidated profit of PLN 4,4 billion. PKO Bank Polski has reported very good results and summarised its activities in the first half of this year.

2024.08.22

· In the first half of 2024, the PKO Bank Polski Group capitalised on favourable market conditions, generating a ROE of 19,0 per cent and an interest margin of 4,48 per cent while maintaining cost efficiency. The C/I ratio improved further to 30,5 per cent.