
Retail banking
FinancePersonal accounts, consumer loans, cards, savings and deposits for individual clients. ~3.8 million active mobile-banking users in Q1 2026.

SPÓŁKA AKCYJNA
BANK Polska KASA Opieki -
BANK Polska KASA Opieki - Spółka Akcyjna

SPÓŁKA AKCYJNA
BANK Polska KASA Opieki - Spółka Akcyjna
Bank Pekao S.A. is one of the largest Polish universal banks, listed on the Warsaw Stock Exchange in the WIG20 index. It serves retail, private-banking, SME, corporate and institutional clients; the group includes brokerage, funds (Pekao TFI), leasing and factoring. In 2025 the bank delivered PLN 7.0 billion in net profit at 21.4% ROE, and capital ratios remained robust (TCR 16.4%, Tier 1 15.0%). The recommended dividend from 2025 profit is PLN 19.77 per share (75% payout) — a historical record. The largest shareholder is the PZU Group with 20.00%; the strategic PZU partnership is a foundation of the business model, particularly in bancassurance.
What BANK Polska KASA Opieki - actually sells and operates.

Personal accounts, consumer loans, cards, savings and deposits for individual clients. ~3.8 million active mobile-banking users in Q1 2026.

Real-estate purchase financing — one of Poland's largest mortgage books. Q1 2026 retail loan portfolio: PLN 89 bn.

Investment finance, treasury, trade finance, derivatives, cash management. Q1 2026 corporate loan portfolio: PLN 119.6 bn, up 16.4% YoY.

Asset management and investment funds. End-March 2026 assets: PLN 43.1 bn, up 24.3% YoY — the fastest-growing fee pillar.

Strategic partnership with the lead shareholder (PZU 20%) — distribution of insurance, protection and insurance-investment products through Pekao's branch network.

Pekao Leasing and Pekao Factoring — comprehensive fixed-asset and working-capital financing for SMEs and corporates. An integral part of the group's offering.
2025 net profit
PLN 7.0 bn
ROE 2025
21.4%
Dividend per share 2025
PLN 19.77
2025 payout ratio
75%
C/I (ex-BFG, Q1 26)
34.6%
Total assets Q1 26
~PLN 356 bn
Market capitalisation
61.92B PLN
Ranked #4 among the largest Polish companies in WIG-POLAND.
No arrears identified in the analyzed sources
No arrears or bankruptcy proceedings identified in the analyzed sources.
Main activity
64.19.ZOther monetary intermediation
Other activities
Selected excerpts from our analysis of BANK Polska KASA Opieki -. Full analysis on the Analysis tab.
Bank Pekao S.A. is one of the largest Polish universal banks. It serves retail, private-banking, SME, corporate and institutional clients. The group includes brokerage, investment funds (Pekao TFI), leasing and factoring activities.
Read the full company profile BANK Polska KASA Opieki -Bank Pekao is a universal bank serving every client category - from individuals through SMEs to corporates and institutions. Main revenue streams:
Explore the business model BANK Polska KASA Opieki -Bank Pekao closed 2025 with very strong profitability and entered 2026 with a robust balance sheet, but Q1 2026 revealed a new cost and tax environment.
See full financial performance BANK Polska KASA Opieki -High profitability in the high-rate cycle. A 21.4% ROE in 2025 places Pekao among the most profitable banks in Poland. The net interest margin benefits from a stable deposit base and a sound loan book. Strong capital position. TCR 16.4%, Tier 1 15.0% - a buffer well above…
Credibility rating
52.1 / 100
Average credibility
Insolvency risk
Very low
Elevated threat
Closure risk
1
/ 100
Risk comparison - scale 0 (safe) → 100 (critical)
Spółka wykazuje sygnały niestabilności organizacyjnej: częste zmiany w zarządzie. Może to wskazywać na podwyższone ryzyko współpracy.
Shareholder changes
0
0/25 yrs
Board changes
52
52/25 yrs
PKD changes
10
10/25 yrs
Name changes
0
0/25 yrs
Data from 25 years of registry activity.
Payment reliability score from 1997–2025
Current: D (52/100)
Trend: stable (-0.4 pts/year)
Słaba wiarygodność płatnicza – wskaźniki finansowe sugerują podwyższone ryzyko opóźnień lub niewykonania zobowiązań.
Standard limit from 1997–2025
Current: 3.8 B PLN
Safe: 1.1 B PLN
Difference between risk models
Closure - probability of ceasing operations (operational continuity). Insolvency - probability of formal bankruptcy / restructuring. The models use different data - results can diverge significantly when balance-sheet data is incomplete.
Listed on the Warsaw Stock Exchange
PEOISIN: PLPEKAO00016Główny Rynek
Ranked #4 in WIG-Poland
Founded
July 2, 2001
24 years in operation
Legal form
SPÓŁKA AKCYJNA
Registry: RejP
Headquarters
WARSZAWA
MAZOWIECKIE
Primary PKD
64.19.Z
Other monetary intermediation
Share capital
262.5 M PLN
Shareholders
N/A
Board
8 people
Sup. board: 8 · Proxies: 3
Filed years
29 years
1997–2025
Registry entries
312
latest: April 24, 2026
Revenue
19.2 B PLN
2025
Net profit
7.0 B PLN
2025
Assets
352.2 B PLN
2025
Equity
35.3 B PLN
2025
EBITDA
N/A
2025
no depreciation data
Listing data for BANK Polska KASA Opieki - on the Warsaw Stock Exchange (GPW) - share price, session change, market segment, industry sector, ISIN code and stock-index membership.
Quotes, shareholders, announcements

PEO
ISIN: PLPEKAO00016
Global Legal Entity Identifier (LEI) for BANK Polska KASA Opieki - from the GLEIF database - code, status, BIC, registered address and registration details.
LEI code
5493000LKS7B3UTF7H35
Legal name
BANK POLSKA KASA OPIEKI - SPÓŁKA AKCYJNA
Registry number
0000014843
Jurisdiction
PL
BIC code
Registered address
WARSZAWA ŻUBRA 101-066 WARSZAWAPLHeadquarters
Same as registered address.
Rate business credibility - BANK Polska KASA Opieki -.
Consumer brands owned by this company.

Service
Drugi bank w Polsce pod względem aktywów — bankowość detaliczna i korporacyjna.
Visit website
Ranking
Composition of WIG20 at the end of April 2026: the 20 largest and most liquid companies on the Warsaw Stock Exchange. The State Treasury controls eight constituents; foreign capital dominates three more. LPP's share price hits a record PLN 21,880 - over 2,300 times higher than the cheapest WIG20 share, Tauron at PLN 9.47.

News
Bank Pekao's management board has recommended a dividend of PLN 19.77 per share from 2025 net profits - a record PLN 5.2 bn payout, with a 7.3% dividend yield. Record date set for 21 April 2026, payment 11 May. It is the third consecutive year of a very high dividend - the result of the bank's record 2025 net profit (PLN 7.015 bn, +10% YoY) and the new 2025–2027 policy distributing 50–75% of profit.
Interest-rate cycle sensitivity. Q1 2026 showed the direct impact of a ~2 pp WIBOR 3M decline - net interest income fell 3.0% YoY. Further NBP rate cuts will hit the net interest margin directly. Lower revenue-mix diversity than global banks. 81% of operating income comes…
Explore the weaknesses BANK Polska KASA Opieki -Loan-volume growth. Q1 2026 showed double-digit growth in key segments (corporate +16.4%, cash loans +14.4%, MID+SME +13.8%). The Polish investment cycle creates a long-term growth window. Rising fees. Fee income up 13.3% YoY in Q1 2026 shows that Pekao is offsetting net…
Explore the opportunities BANK Polska KASA Opieki -Falling interest rates. A 2 pp WIBOR 3M decline in Q1 2026 reduced net interest income by 3.0% YoY. Further NBP rate cuts will hit margin and net profit directly. Higher CIT and BFG. CIT rose from 19% to 30%, BFG charges rose PLN 110 million in Q1 2026. Combined, these…
Explore the key risks BANK Polska KASA Opieki -Bank Pekao operates in the highly competitive Polish banking market, dominated by universal banks of similar scale. Pekao's position is not absolute leader, but one of the top players with the sector's highest profitability margins.
See the competitive analysis BANK Polska KASA Opieki -The next 12–24 months will test Bank Pekao's "Sięgamy ponad horyzont" strategy in a new rate, tax and competition environment.
Explore the outlook BANK Polska KASA Opieki -The 2025–2027 strategy is a profitability and efficiency plan. Bank Pekao wants to remain one of the most profitable and efficient institutions in the Polish banking sector while growing in selected products, improving digital access and simplifying operations.
Explore the strategy BANK Polska KASA Opieki -Bank Pekao runs a high-payout dividend policy combined with strong capital. This makes it one of the highest-dividend banks in Poland.
See the dividend policy BANK Polska KASA Opieki -GLEIF data, retrieved 2026-05-20.
View 5493000LKS7B3UTF7H35 on GLEIF
Explainer
BNP Paribas Bank Polska S.A. (KRS 0000011571), headquartered at ul. Marcina Kasprzaka 2 in Warsaw's Wola district, is a Polish bank controlled by France's BNP Paribas Group. The bank in its current form emerged from the merger of three historically separate entities: BGŻ (Bank Gospodarki Żywnościowej), Fortis Bank Polska, and Raiffeisen Polbank. Listed on the WSE since 2008, an mWIG40 constituent, with a seven-member management board and a twelve-member supervisory board.
Registered shareholders of BANK Polska KASA Opieki -, the chain leading to the ultimate owner, and the geographic origin of the capital.
Share capital
262.5 M PLN
Competing companies or those operating in the same market segment as BANK Polska KASA Opieki - (in Warszawa, industry: Finance and banking).
WARSZAWA· Finance and banking
Revenue 2024: 117.7 M PLN
WARSZAWA· Finance and banking
Revenue 2024: 106.7 M PLN
WARSZAWA· Finance and banking
Revenue 2024: 103.0 M PLN
WARSZAWA· Finance and banking
Revenue 2024: 83.0 M PLN
WARSZAWA· Finance and banking
Revenue 2024: 51.2 M PLN
RASZYN· Finance and banking
Revenue 2024: 34.5 M PLN
Latest reporting year
2025
Available years
29
Filing entries
0
Natural persons exercising effective control over BANK POLSKA KASA OPIEKI - and authorised representatives - data from the Polish Central Register of Beneficial Owners (CRBR) maintained by the Ministry of Finance.
Natural persons who, directly or indirectly, exercise control over the company.
Full name
TADEUSZ TURCZANIK
Date of birth: June 7, 1940 (85 years old)
Sex: male
CRBR data (Polish Ministry of Finance), retrieved April 29, 2026.
Answers to questions about the company's activity, registered office, identifiers, financial data, capital and control.
Both, with different time horizons. The near-term investment case is strongly dividend-driven because Pekao generates high profits and has a 50–75% payout target. The growth case depends on loan growth, corporate banking, SME financing, digital channels, asset management and bancassurance.
Average annual headcount for BANK Polska KASA Opieki - and its capital group by year - figures disclosed in the issuer's annual reports.
Number of employees hired directly by the company.
As of 2023
12,470
| Year | Headcount | YoY change |
|---|---|---|
| 2023 | 12,470 | +35 (+0.3%) |
| 2022 | 12,435 | -226 (-1.8%) |
| 2021 | 12,661 | -1,118 (-8.1%) |
| 2019 | 13,779 | -790 (-5.4%) |
| 2018 | 14,569 | -747 (-4.9%) |
| 2017 | 15,316 | -566 (-3.6%) |
| 2016 | 15,882 | -505 (-3.1%) |
| 2015 | 16,387 | -527 (-3.1%) |
| 2014 | 16,914 | -178 (-1%) |
| 2013 | 17,092 | -341 (-2%) |
| 2012 | 17,433 | -488 (-2.7%) |
| 2011 | 17,921 | -355 (-1.9%) |
| 2010 | 18,276 | -636 (-3.4%) |
| 2009 | 18,912 | -806 (-4.1%) |
| 2008 | 19,718 | -918 (-4.4%) |
| 2007 | 20,636 | +6,274 (+43.7%) |
| 2006 | 14,362 | -1,079 (-7%) |
| 2004 | 15,441 | -385 (-2.4%) |
| 2003 | 15,826 | -1,527 (-8.8%) |
| 2002 | 17,353 | -1,307 (-7%) |
| 2001 | 18,660 | -3,627 (-16.3%) |
| 2000 | 22,287 | -2,042 (-8.4%) |
| 1999 | 24,329 | +12,858 (+112.1%) |
| 1998 | 11,471 | +180 (+1.6%) |
| 1997 | 11,291 | -535 (-4.5%) |
| 1996 | 11,826 | +627 (+5.6%) |
| 1995 | 11,199 | +966 (+9.4%) |
| 1994 | 10,233 |
Consolidated headcount across the capital group.
As of 2023
14,935
| Year | Headcount | YoY change |
|---|---|---|
| 2023 | 14,935 | +293 (+2%) |
| 2022 | 14,642 | -60 (-0.4%) |
| 2021 | 14,702 | -292 (-1.9%) |
| 2020 | 14,994 | -684 (-4.4%) |
| 2019 |
GPW data, retrieved June 4, 2026.
| 15,678 |
| -1,036 (-6.2%) |
| 2018 | 16,714 | -625 (-3.6%) |
| 2017 | 17,339 | -418 (-2.4%) |
| 2016 | 17,757 | -570 (-3.1%) |
| 2015 | 18,327 | -438 (-2.3%) |
| 2014 | 18,765 | -151 (-0.8%) |
| 2013 | 18,916 | -900 (-4.5%) |
| 2012 | 19,816 | -541 (-2.7%) |
| 2011 | 20,357 | -426 (-2%) |
| 2010 | 20,783 | -91 (-0.4%) |
| 2009 | 20,874 | -1,118 (-5.1%) |
| 2008 | 21,992 | -934 (-4.1%) |
| 2007 | 22,926 | +7,279 (+46.5%) |
| 2006 | 15,647 | -2,741 (-14.9%) |
| 2004 | 18,388 | +1,435 (+8.5%) |
| 2003 | 16,953 | -1,046 (-5.8%) |
| 2002 | 17,999 |
Public-procurement proceedings in which BANK Polska KASA Opieki - appears as contractor or contracting authority - total contract value, signing dates, procedures and links to the official notices.
3 most recent proceedings
Obsługa bankowa budżetu Gminy Opatów i jej jednostek budżetowych
Obsługa bankowa wraz z przyznaniem kredytu odnawialnego w rachunku bieżącym
Obsługa bankowa budżetu gminy Opoczno i jej jednostek organizacyjnych
Trademarks filed or registered by BANK Polska KASA Opieki - in the Polish Patent Office (UPRP) - filing dates, status, Nice classes and graphical marks.
3 most recent trademarks

Pekao CoNext
Filing date: 2026-05-04
active
Pekao Inwestycje Dłużne
Filing date: 2026-01-12
active
Pekao Inwestycje Dłużne
Filing date: 2026-01-12
active20 historical registry entries for BANK Polska KASA Opieki -
Change in Section 6 (liquidation, bankruptcy or dissolution)
WA.XIII NS-REJ.KRS/50666/25/990
Board change
WA.XIII NS-REJ.KRS/50787/25/134
Articles of association amended
WA.XIII NS-REJ.KRS/55492/25/502
Board change
WA.XIII NS-REJ.KRS/64865/25/82
Change in Section 1 (basic data)
WA.XIII NS-REJ.KRS/4969/26/748
Board change
WA.XIII NS-REJ.KRS/24175/26/671
Capital origin
kapitał krajowy
Ownership chain
Share capital
262,470,034.00 PLN
Shares outstanding
262,470,034
| Shareholder | Shares | Capital share | Votes | Vote share |
|---|---|---|---|---|
| Powszechny Zakład Ubezpieczeń Spółka Akcyjna | 52,494,007 | 20.00% | 52,494,007 | 20.00% |
| Polski Fundusz Rozwoju Spółka Akcyjna | 33,596,166 | 12.80% | 33,596,166 | 12.80% |
| NATIONALE-NEDERLANDEN Powszechne Towarzystwo Emerytalne S.A. | 14,701,415 | 5.60% | 14,701,415 | 5.60% |
| Powszechne Towarzystwo Emerytalne Allianz Polska S.A. | 13,935,661 | 5.31% | 13,935,661 | 5.31% |
| BlackRock. Inc. | 13,132,216 | 5.00% | 13,132,216 | 5.00% |
| Other minor shareholders | 134,610,569 | 51.29% | - | - |
* z podmiotami zależnymi
Source: GPW (shareholders with ≥5% of capital or votes). Other minor shareholders are the public float.