Overview
Powszechna Kasa Oszczędności Bank Polski is a financial institution that offers personal accounts, loans, savings accounts, and insurance products. It provides services such as cash loans available online within one day and promotional offers for new account holders. The bank also features credit cards with travel insurance and accounts specifically designed for children.
Financials
Revenue history (in m)
Data and insights are generated automatically based on financial statements and may contain errors. This analysis is for informational purposes only and does not constitute an official assessment of the company's credibility or business advice.
Stock quotes
- Open
- PLN 116.80
- High
- PLN 117.10
- Low
- PLN 114.60
- Volume
- 1.01M
- Avg. vol.
- 3.25M
- Market cap
- PLN 144.20B
- P/E ratio
- 13.31
- EPS
- PLN 8.67
- Shares outstanding
- 1.25B
- 52-week
- PLN 113.02 – 124.00
- Dividend yield
- 5.32%
- Dividend
- PLN 6.14
- Ex dividend date
- Aug 4, 2026
- ISIN
- PLPKO0000016
- Exchange
- GPW Main Market
Quarterly results
| Period | Revenue | EBIT | Net profit |
|---|---|---|---|
| Q2 2026 | USD 2.11bn | USD 1.27bn | USD 747.70m |
| Q1 2026 | USD 2.10bn | USD 1.16bn | USD 681.25m |
| Q4 2025 | USD 2.04bn | USD 888.00m | USD 681.82m |
| Q3 2025 | USD 2.09bn | USD 1.00bn | USD 712.46m |
Results for Q3 2026:Nov 5, 2026
Statistics
How the company ranks by revenue within its industry, region and across Poland in 2025.
Results vs industry
Industry
Bank accounts
Registered as a VAT taxpayer on 1998-10-01. Active
17 1050 0086 1000 0090 3036 2629- 18 1050 0086 1000 0090 3036 2611
- 62 1050 0086 1000 0090 3036 2595
Debt
1 closed proceeding recorded in KRZ history. Closed proceedings in history
| Registration date | Proceeding type | Status | |
|---|---|---|---|
| Dec 29, 2023 | Discontinued enforcement proceedings | Closed |
MSiG notices
6 notices recorded in the Court and Commercial Gazette (MSiG).
| Publication date | Event | |
|---|---|---|
| Dec 27, 2023 | List of claims | |
| Sep 28, 2021 | Creditor repayment plan | |
| Sep 8, 2020 | Call to creditors | |
| Dec 28, 2018 | Bankruptcy notice | |
| Dec 30, 2016 | Bankruptcy notice |
Public aid
20 public aid cases recorded, with a total value of $12,062,823.
| Grant date | Purpose | Gross amount | Granting body | |
|---|---|---|---|---|
| Jun 18, 2026 | De minimis aid (in accordance with Commission Regulation 2023/2831) | $146$146 | Burmistrz Miasta Wągrowiec | |
| Jun 16, 2026 | De minimis aid (in accordance with Commission Regulation 2023/2831) | $2,222$2,222 | STAROSTA POWIATU WADOWICE | |
| Dec 16, 2025 | De minimis aid (in accordance with Commission Regulation 2023/2831) | $1,239$1,239 | Starosta Powiatu Wągrowieckiego |
European Funds
| Start | Project | EU co-financing | Programme | |
|---|---|---|---|---|
| 2025-12-01 | Zaprojektowanie i opracowanie przez PKO BP systemu predykcyjnego umożliwiającego przewidywanie wartości wybranych aktywów cyfrowych. | $2.7M$2,732,050 | Fundusze Europejskie dla Nowoczesnej Gospodarki | |
| 2024-12-01 | Budowa innowacyjnych polskich domenowych modeli językowych i platformy usługowej do serwowania modeli wielozadaniowych wewnątrz Banku. | $2.3M$2,303,898 | Fundusze Europejskie dla Nowoczesnej Gospodarki |
Tenders
201 tenders recorded as contractor: 120 national ($12,617,123) and 81 EU ($115,817,136).
| Publication date | Subject | Amount | Contracting authority | |
|---|---|---|---|---|
| Oct 7, 2026 | Udzielenie długoterminowego kredytu bankowego w wysokości 7 900 000,00 zł na okres 16 lat | –– | Miasto i Gmina Kańczuga | |
| Sep 29, 2026 | Obsługa bankowa budżetu Powiatu Chełmskiego | –– | Powiat Chełmski | |
| Sep 8, 2026 | Udzielenie i obsługa kredytu długoterminowego z przeznaczeniem na sfinansowanie planowanego deficytu oraz spłatę zaciągniętych zobowiązań z tytułu zaciągniętych pożyczek i kredytów | –– | Gmina Tyszowce |
Public sector contracts
Powszechna Kasa Oszczędności Bank Polski is the contractor in 53 public sector contracts, worth PLN 1.61bn in total. They were signed with 40 public buyers.
| Public buyer | Value | |
|---|---|---|
| Urząd Miasta Gdyni | PLN 49,512 | |
| Urząd Miejski w Radomiu | PLN 22,239,764 | |
| Urząd Miejski w Błoniu | PLN 1,300 | |
| Miejski Teatr Miniatura | PLN 9,000 | |
| Muzeum Historii Polski w Warszawie | – |
Public procurement disputes (KIO)
Powszechna Kasa Oszczędności Bank Polski has been a party to 13 cases before the National Appeal Chamber (since 2010). It filed 8 appeals (2 upheld, 3 dismissed, 3 discontinued). In 5 cases it joined the proceedings as a participant.
Trademarks
Powszechna Kasa Oszczędności Bank Polski holds 174 active trademarks registered with the Polish Patent Office. 6 applications are pending. 108 marks have expired or were not registered. The first mark was filed in 1999.
| Mark | Protected until | |
|---|---|---|
| PKO Masterlease(word) | Nov 5, 2035 | |
| PKO Raty(word) | Nov 5, 2035 | |
| PKO Kredyt hipoteczny online(word) | Mar 11, 2035 | |
| PKO Cyfrowy kredyt hipoteczny(word) | Mar 11, 2035 | |
| PKO Punkty(word) | Feb 13, 2035 |
Regulatory authorisations
| Authority | Type | Status | |
|---|---|---|---|
 KNF | Bank | Active | |
| KNF | Insurance agent of PKO Towarzystwo Ubezpieczeń Spółka Akcyjna | Active | |
| KNF | Insurance agent of Powszechny Zakład Ubezpieczeń Spółka Akcyjna | Active |
Authorized Representatives
Manner of representation
President of the Management Board independently, two members of the management board jointly, or one member of the management board jointly with a commercial proxy, two commercial proxies acting jointly, attorneys-in-fact acting independently or jointly within the scope of the power of attorney granted.
Supervisory board
Beneficial owners
No beneficial owners recorded for the company Powszechna Kasa Oszczędności Bank Polski.
Subsidiaries
| Name | Share value | Stake | ||
|---|---|---|---|---|
| 435,251,215.56 USD | 100% | |||
| 51,480,280.93 USD | 100% | |||
PKO BP Finatsp. z o.o. | 8,809,373.31 USD | 100% |
Capital group
| Name | Ownership |
|---|---|
Aktywa przejęte od spółki CFP sp. z o.o  | 8% |
„Centrum Obsługi Biznesu” sp. z o.o | 10% |
| 77% |
Competitors
| Name | Revenue | Website | ||
|---|---|---|---|---|
| Bank Polska Kasa OpiekiS.A. | $5,537,669,512.81 | pekao.com.pl | ||
| Alior BankS.A. | $1,712,471,120.04 | aliorbank.pl |
Change history
| Date | Event | |
|---|---|---|
| 2025-06-30 | Address change (Puławska 15, 02-515, Warszawa → Ul. Świętokrzyska 36, 00-116, Warszawa) | |
| 2009-12-11 | Share capital change (1,000,000,000.00 PLN → 1,250,000,000.00 PLN) | |
| 2001-07-12 | Entered in the register |
FAQ
Last updated: 2026-10-07