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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

FebMarAprMayJunJulAugSepOctNovDec
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...

Events 2015

Adopted the use of the  „Best Practices of Warsaw Stock Exchange Companies 2016”

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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