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Bank Polska Kasa Opieki (PEO) investor relations material
Bank Polska Kasa Opieki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit for H1 2025 reached PLN 3.3 billion, up 13% year-over-year, driven by higher net interest and fee income, and robust loan and deposit growth.
Lending volumes accelerated, with 6% growth year-over-year and double-digit increases in cash loans and SME/mid-corporate financing.
All business segments contributed to growth, with strong capital and liquidity positions supporting dividend potential and regulatory compliance.
Strategic focus remains on organic growth, digitalization, and improving customer experience, especially in retail and SME banking.
Retail banking is being repositioned to attract younger customers and increase profitability, with notable progress in consumer finance and microfinance.
Financial highlights
Net profit reached PLN 3.3 billion in H1 2025, up 13% year-over-year; ROE at 20.6%.
Net interest income for H1 2025 was PLN 6,860 million, up from PLN 6,007 million year-over-year; net fee and commission income up 10% year-over-year.
Cost-to-income ratio at 34-35.7%, in line with strategic targets; costs grew 5% year-over-year.
NPL ratio stable at 4.5%, supporting dividend payout targets; cost of risk at 48 bps in Q2 2025.
Liquidity coverage ratio (LCR) at 232-243% and net stable funding ratio (NSFR) at 172-174% as of June 2025.
Outlook and guidance
Economic growth expected to accelerate to 4% in 2025, driven by investments and private consumption.
Credit market growth forecast above 6% for 2025, supported by falling interest rates and increased consumption.
Anticipate further interest rate cuts by the National Bank of Poland, supporting credit demand.
Dividend payout ratio guided at 50-75% of net profit, subject to regulatory and portfolio quality criteria.
The Group expects continued impact from high interest rates and economic slowdown, with increased credit risk factored into impairment estimates.
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