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Bank Polska Kasa Opieki
Bank Polska Kasa Opieki (PEO) investor relations material
Bank Polska Kasa Opieki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary19 Feb, 2026
Executive summary
Achieved record net profit of PLN 7.015 billion in 2025, up 10% year-over-year, with strong growth in lending (+8% y/y) and commission income (+11% y/y), and market share gains in key segments.
Maintained robust profitability and capital position, with return on equity exceeding PLN 7 billion and Tier 1 at 15.0%.
All business segments contributed to performance, with double-digit growth in key lending areas and digital channel expansion (+10% y/y).
Focused on digital transformation, ESG initiatives, and strengthening customer relationships across retail, SME, and corporate banking.
The consolidated financial and sustainability statements for 2025 received an unqualified audit opinion, confirming compliance with IFRS, Polish law, and the Bank's statute.
Financial highlights
Total customer financing portfolio exceeded PLN 200 billion (+8% y/y); assets reached PLN 352 billion (+5% y/y).
Loans grew 8% year-over-year; retail loans up 5%, corporate loans up 11%, and cash loans up 13%.
Net interest income grew by 6% y/y, and net fee and commission income rose by 11% y/y.
Cost of risk at 39 basis points, well below the strategic assumption of 65-70 bps.
Deposit base increased by 4% y/y; mutual fund assets up 28% y/y; own issues up 37% y/y.
Outlook and guidance
Economic growth in Poland expected to accelerate to 4.0% in 2026, with inflation falling below 2% and further monetary policy easing anticipated.
Loan growth forecasted at 9.9% y/y in 2026, with corporate loans expected to rise 11.3% y/y.
Ongoing digitalization and technological investments to continue over the next three years.
Dividend payout targeted at 50-75% of net profit, subject to regulatory approval.
Strategy horizon set to 2027, with plans to deepen and extend strategic goals towards the 100th anniversary in 2029.
Audit findings on marketing funds misuse impact?
PZU-Pekao reorganization capital impact?
Pekao's 2030 power generation decarbonization target?
Strategy targets: How to manage overperformance
Loan growth drivers beyond KPO boom
NIM outlook with NBP rate cuts
Decarbonization plan: credit portfolio targets
Mortgage market: profitability challenges
Digitalization: when visible results expected
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Next Bank Polska Kasa Opieki earnings date
Q1 202630 Apr, 2026
Bank Polska Kasa Opieki
Next Bank Polska Kasa Opieki earnings date
Q1 202630 Apr, 2026
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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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