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Ladies and Gentlemen,
For PKO Bank Polski, 2025 was a year in which we significantly increased our competitive advantage and set the pace for the entire banking sector.
The source of our advantage was the clearly defined direction outlined in our Growth and Development Strategy for 2025-2027. The strategy is clear. The goal is challenging. The organisation has set out on its journey. The energy and commitment of over 26,000 employees of the PKO Bank Polski Capital Group have translated into a better experience for our Clients, which in turn contributes to the growth of our business, which is clearly faster than the market.
This is reflected in the record number of 327,000 new Clients, a record level of trust in PKO Bank Polski among the banking sector, as measured by the NPS indicator, double-digit growth in financing granted to our Clients and an equally strong increase in savings.
We have pulled ahead of the group.
Our results are record-breaking. Our foundations are strong. Our risk is under control.
With high discipline in operating cost and risk management, cost-to-income and credit risk ratios maintained at a solid level of 31.1% and 30 bps, respectively, PKO Bank Polski Capital Group's net profit exceeded PLN 10 billion for the first time in the Polish banking sector. We achieved a return on equity (ROE) of 19.5%. The Bank meets the criteria for distributing 75% of its net profit as a dividend, which has been confirmed by the Polish Financial Supervision Authority.
These figures relate to the real people and the real economy.
In 2025, we helped around 50,000 families realise their dream of owning their own flat or house. We are financing the development of businesses and local governments, as well as investments in modern infrastructure, defence and energy transformation, with PLN 116 billion.
The value of our Clients' savings increased by double digits, to PLN 692 billion. Investment fund assets increased the fastest, by over 45% y/y. The first issue of mortgage bonds for retail Clients by PKO Bank Hipoteczny in almost 100 years was also a success, with demand exceeding the offer by PLN 1 billion. This is a sign that there is a growing need among customers to manage their finances consciously and that it is also possible to mobilise individual customers' savings to invest in the economy.
How will we use our advantage?
According to the forecasts of economists at PKO Bank Polski, the Polish economy will grow by approximately 4% year-on-year in 2026, with the inflation rate stabilising at the same time. We expect an investment boom, which will translate into an acceleration of lending in the economy. Naturally, this assumes that geopolitical and war risks will not escalate and that the conflict in the Middle East will be resolved quickly.
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PKO Bank Polski's capital position remains strong, which gives us a solid foundation for financing this surge and growth of the Polish economy strategic investments for the country, the everyday needs of individual customers and the development of corporate customers in Poland and their expansion abroad.
In 2025, PKO Bank Polski launched the largest investment programme in the history of PKO Bank Polski, worth over PLN 1 billion, in technology, digital development, simplification of the bank's onboarding processes, modernisation of branches throughout Poland and a marketing offensive.
Our aim was to transform the bank deeply and prepare it to maintain its growth pace in the challenging environment of the banking sector. Thanks to our development investments, we are transitioning to a model that will allow us to compete for Clients on the basis of value to a much greater extent, i.e. to work with Clients in such a way that their growing activity and transactionality become our key growth driver.
I would like to thank our clients and all our stakeholders for their trust and faith in our strategy. I would like to thank our employees for their commitment. It is thanks to you that we can be number one. Full stop.
Szymon Midera,
President of the Management Board
Biblioteka czcionek:
Biblioteka czcionek:
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