Annual Report 2013

Key Messages

GENERAL

Strengthening the Bank's market position as the leader of the financial sector in Poland and the leading universal bank in Central Europes.

Reinforcement the Bank's image as the main partner of Polish entrepreneurship, supporting large investments, repair processes and the local development.

Introduction of mobile payment services (IKO), implementation of a new standard in mobile payments in Poland based on implemented by PKO Bank.

FINANCIAL

Actions undertaken by the PKO Bank Polski SA Group in 2013 allowed generating the net profit amounting to PLN 3 229.8 million.

Loans and advance payments given to clients + obligations towards to clients - stable market shares, growth in loan and deposit volumes.

Equity capital + capital adequacy ratio - a strong capital position, ratio improvement.

Key Business Indicators

CUSTOMERS

12,100
Corporate customers

7,5 million
Retail customers

304,000
SME customers

BRANCHES

1,198
Branches

LOANS

4.3% growth of loans
(change 2012/2013)

DEPOSITS

5.2% growth of
deposits
(change 2012/2013)

Key financial ratios

3.2 mld PLN
Net Profit

43.2%
C/I

1.6%
ROA

+3,1%
Net commission income

-16.9%
Net interest income

LETTER TO SHAREHOLDERS

It has become a good tradition that, despite the market situation, all annual reports presenting the Bank and the Capital Group’s activity you receive outline satisfactory financial results. Each year, we also highlight relevant, positive changes related to organizational culture – a kind of DNA of our institution. We follow this tradition while handing You our annual 2013 report.