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.