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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.
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Q2 2025 earnings summary7 Aug, 2025

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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Frequently asked questions

Bank Polska Kasa Opieki S.A., provides a range of banking products and services to retail and corporate clients in Poland an internationally. The bank has operations in Poland, Ukraine and the Netherlands. It offers a range of deposit accounts; personal and business loans; wealth management services; international payment services; card integrated services as well as investment products such as mutual funds, deposits with interest-rate guarantees and bonds. Bank Polska Kasa Opieki also provides treasury, transaction processing, trust services and home financing for individuals, small incorporated businesses, medium-sized companies and large corporations. Bank Polska Kasa Opieki S.A is based in Warsaw, Poland.

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