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Financial highlights

FINANCIAL RESULT (PLN m)

Net interest income7,029

Administrative expenses(6,036)

Net profit2,609.6

BALANCE SHEET DATA (PLN bn)

Assets266,940

Deposits195,758

Total equity30,265

MAIN INDICATORS:

ROE net9.0%

ROA net1.0%

Net interest margin3.0%

QUALITY LOAN PORTFOLIO:

NPL ratio 6.6%

Cost of risk-0.72%

LETTER TO SHAREHOLDERS

Dear Shareholders,

Vision, determination, and flexibility: these are the key preconditions of effective business necessary to achieve one’s goals even under difficult market conditions. They are also the leading attributes of the management process in the PKO Bank Polski Capital Group, which allowed us to generate high financial results in 2015, strengthen the position of Poland’s financial market leader, and further grow the value of PKO’s brand.

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Main achievements

LEADERSHIP

Strengthening the market position of the PKO Bank Polski Capital Group.

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RISK MANAGEMENT AND STABILITY

Efficient risk management and maintaining solid solvency and capital adequacy ratio.
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ORGANISATION

New organizational culture, competence model and management philosophy.
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STRATEGY

High level of strategic goals in the view of unfavorable macroeconomic factors.
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NEW SERVICES

The development of mobile banking services and the implementation of the new payment standard.
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Events 2015

Starting the new payment system BLIK, initiated by the Bank that became the market...
Creation of the PKO Towarzystwo Ubezpieczeń SA property insurance for individual...
80th anniversary of PKO BP SKO School Savings Accounts. SKO is the most innovative...
- Selection of KPMG Audyt to perform audit of the financial statements of PKO Bank...
Annual financial statements of PKO Bank Polski S.A and consolidated annual financial...
Management Board of the Bank adopts "Principles of management of capital adequacy...
Opening PKO Bank Hipoteczny offering mortgages to the clients
Completion of merger with Nordea Bank Polska, Nordea Finance Polska and Nordea Polska...
PKO BP a partner for OFF CAMERA film festival
Number of PKO BP clients using mobile banking exceeding 1 million
PKO Bank Polski SA Group report for the first quarter of 2015
Bank PKO Polish was a patron of the exhibition „Nowy poczet władców Polski. Świerzy...
PKO PB brand winning as most precious in the ranking of "Wprost" monthly
PKO Bank Polski was the main partner of the V European Congress of Finance
Zbigniew Jagiełło chosen the Bank Manager of the Year 2014 and PKO Bank Polski SA - Best...
Implementation of the New Sales Rhythm
PKO Bank Polski SA Group report for the first half of 2015
PKO Bank Polski has won a tender for servicing transaction ZUS
The acquisition of SKOK „Wesoła”
PKO Bank Polski a strategic partner in the music contest Wratislavia Cantans
PKO Bank Polski was the main sponsor of the 40. Film Festival in Gdynia
PKO Run charity for malnourished children.12 Polish cities, 26 720 stadiums laps run,...
Effie Awards for PKO BP
3 edition of "Distribution & Marketing Innovation in Retail Financial Services...
PKO Bank Polski concluded an agreement with BGK concerning COSME EU program, aiming to...
PKO Bank Polski S.A. Group report for the third quarter of 2015
New version of the IKO application, providing customers a full new mobile banking...
PKO Bank Polski CEO chosen Oustanding Philantropist by Responsible Business Awards
PKO Bank Polski the most valuable financial brand in the ranking of "Rzeczpospolita...
PKO Bank Polski was the strategic sponsor in the competition “Polish Company -...
PKO Bank Polski was the main sponsor of the 33rd International Young Audience Film...

Events 2015

Annual financial statements of PKO Bank Polski S.A and consolidated annual financial...

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Share price in 2015

Opening price35.76 zł

Closing price27.33 zł

Max37.70 zł

Min25.11 zł

Previous Reports

See the previous reports, here.

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Download

Annual Report 2015
File format PDF size 2.6 MB
Presentation 2015
File format PDF size 3.2 MB
Tables 2015
File format XLS size 144 KB