Despite the keen market competition, the PKO Bank Polski SA Group effectively develops its operations not only in its traditional area of operations.
The PKO Bank Polski SA Group is among the largest financial institutions in Poland and PKO Bank Polski SA, the parent company of the Group, is the largest commercial bank in Poland and a leading bank on the Polish market in terms of scale of operations, equity, loans, deposits, number of clients and the size of the distribution network. During the whole period of activity, the Bank had been consistently developing the prestige of its brand and providing services to many generations of Poles. The long tradition and clients’ confidence are the source of an obligation. Therefore, The PKO Bank Polski SA Group consistently takes measures in order to consolidate its perception as a group of institutions:
- secure, strong and competitive,
- modern and innovative, client-friendly and efficiently managed,
- socially responsible, concerned about the development of the cultural awareness of Poles.
Despite the keen market competition, the PKO Bank Polski SA Group effectively develops its operations not only in its traditional area of operations – serving retail clients. It became also a leader for corporate clients and small and medium enterprises in Poland – especially with regard to financing their operations and also in the market for financial services offered to communes, poviats, voivodeships and State budget sector. It is also the most important organiser of issues of municipal bonds. The high client service standards and effective credit risk assessment procedures enabled the PKO Bank Polski SA Group to increase its gross loan portfolio by 4.0% to the level of PLN 156.3 billion in 2013. With regard to consumer loans, the market share reached 19.1%, whereas the amounts due to customers reached the level of PLN 151.9 billion as at the end of 2013 which enabled the Bank to maintain its leading position in respect of share in the deposit market, which amounted to 16.3%.
In 2013, the Group continued its activities concerning the efficiency of the expenditure and costs incurred, which manifested in a selective approach towards development of distribution network. As at the end of 2013, the largest network of PKO Bank Polski SA’s branches in Poland comprised 1 186 branches and 1 074 agencies. The Bank’s clients can use the systematically enriched electronic banking services offered under the iPKO brand and as a part of Inteligo account and introduced in 2013, new standard for mobile payments – IKO. Customers of PKO Bank Polski SA also have an increasing number of ATMs at their disposal – as at the end of 2013, there were 2 992 ATMs.
The PKO Bank Polski SA Group is one of the largest employers in Poland. As at the end of 2013, the PKO Bank Polski SA Group employed 27 387 people. The comprehensive learning and education offer was aimed at building professional and loyal staff providing increasingly higher standard of services to the clients and achieving high work performance.
Apart from the strictly banking and brokerage activities, the PKO Bank Polski SA Group provides specialist financial services relating to leasing, factoring, investment funds, pension funds, and conducts investment, development and debt collection operations. In 2013 the Group operated also in servicing and settlement of credit card transactions.
The activities of the PKO Bank Polski SA’s Foundation for the public good in the widest possible range are the expression of the Bank’s social responsibility.