PKO Bank Polski S.A.

PKO Bank Polski S.A. is Poland's largest banking group and a leading financial institution in Central and Eastern Europe, headquartered in Warsaw. Founded in 1919 as Pocztowa Kasa Oszczędności to promote national savings through the postal network, it has evolved into a universal bank serving over 12 million customers with a focus on retail banking, which accounts for 71.3% of net interest income, alongside corporate and investment banking at 28.7%. The group offers a comprehensive range of products including current and savings accounts, term deposits, consumer and mortgage loans, corporate financing, leases, factoring, investment funds, insurance, and digital services via its award-winning IKO mobile app with over 5 million users. Operating through approximately 1,193 branches primarily in Poland and employing around 24,946 people, it manages substantial assets exceeding PLN 512 billion, PLN 419.8 billion in deposits, and PLN 266.2 billion in credits as of late 2024. Its capital group includes subsidiaries in leasing, investment management, pensions, life insurance, and real estate, enhancing its diversified service portfolio and supporting market leadership in retail deposits, mortgages, and digital payments. PKO Bank Polski S.A. drives innovation, including Europe's largest customer-facing blockchain solution and strategic expansion into energy transition financing.