By Helgi Library - November 10, 2023
PKO BP made a net profit of PLN 2,780 mil in the third quarter of 2023, up 1% when compared to the same period of last year. ...
By Helgi Library - November 10, 2023
PKO BP made a net profit of PLN 2,780 mil in the third quarter of 2023, up 1% when compared to the same period of last year. ...
By Helgi Library - November 10, 2023
PKO BP made a net profit of PLN 2,780 mil under revenues of PLN 6,159 mil in the third quarter of 2023, up 1% and 172% re...
| Profit Statement |
| Balance Sheet |
| Ratios |
| Valuation |
Get all company financials in excel:
| income statement | Unit | Sep 2004 | Dec 2004 | Mar 2005 | Jun 2005 | Sep 2005 | Dec 2005 | Mar 2006 | Jun 2006 | Sep 2006 | Dec 2006 | Mar 2007 | Jun 2007 | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | Sep 2008 | Dec 2008 | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
| growth rates | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | 33.8 | 47.3 | -71.6 | 52.9 | 35.4 |
| ratios | Unit | Sep 2004 | Dec 2004 | Mar 2005 | Jun 2005 | Sep 2005 | Dec 2005 | Mar 2006 | Jun 2006 | Sep 2006 | Dec 2006 | Mar 2007 | Jun 2007 | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | Sep 2008 | Dec 2008 | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
| ROTE | % | ... | ... | ... | ... | ... | 3.95 | 1.23 | -0.786 | 5.53 | 4.63 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Costs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - November 10, 2023
PKO BP made a net profit of PLN 2,780 mil under revenues of PLN 6,159 mil in the third quarter of 2023, up 1% and 172% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of PLN 2,780 mil in 3Q...
By Helgi Library - August 24, 2023
PKO BP generated total banking revenues of PLN 5,778 mil in 2023-06-30, up 4.45% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to the last year. ...
By Helgi Library - August 24, 2023
PKO BP generated total banking revenues of PLN 5,778 mil in 2023-06-30, up 4.45% compared to the previous year. Polish banking sector banking sector generated total revenues of PLN 26,662 mil in 2023-06-30, down 4.41% when compared to the last year. ...
By Helgi Library - August 24, 2023
PKO BP's customer deposits reached PLN 366,053 mil in 2023-06-30, up 4.68% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. PKO BP accounted for 17.9% ...
By Helgi Library - August 24, 2023
PKO BP's customer deposits reached PLN 366,053 mil in 2023-06-30, up 4.68% compared to the previous year. Polish banking sector accepted customer deposits of PLN 2,045 bil in 2023-06-30, up 2.00% when compared to the last year. PKO BP accounted for 17.9% ...
By Helgi Library - November 10, 2023
PKO BP employed 25,398 persons in 2023-09-30, up 0.463% compared to the previous year. Historically, the bank's workforce hit an all time high of 35,386 persons in 2004-12-31 and an all time low of 25,065 in 2023-03-31. The bank operated a network of 958 b...
By Helgi Library - November 10, 2023
PKO BP employed 25,398 persons in 2023-09-30, up 0.463% compared to the previous year. Historically, the bank's workforce hit an all time high of 35,386 persons in 2004-12-31 and an all time low of 25,065 in 2023-03-31. The bank operated a network of 958 b...
By Helgi Library - November 10, 2023
PKO BP's non-performing loans reached 3.62% of total loans at the end of 2023-09-30, down from 3.78% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.5% in 2004-03-31 and an all time low of 3.19% in 2007-12-31. Provision...
By Helgi Library - November 10, 2023
PKO BP's non-performing loans reached 3.62% of total loans at the end of 2023-09-30, down from 3.78% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.5% in 2004-03-31 and an all time low of 3.19% in 2007-12-31. Provision...
By Helgi Library - September 13, 2023
PKO BP has issued total of 10.3 mil payment cards at the end of 2022-09-30, up 1.11% compared to the previous year. Polish banking sector banking sector issued total of 44.1 mil of bank cards in 2022-09-30, up 0.271% when compared to the last year. ...
Powszechna Kasa Oszczędności Bank Polski (PKO BP) is Poland's largest bank. The Bank was founded in 1919 and is headquartered in Warsaw, Poland. The bank offers a range of personal and business financial services such as savings account, deposits, mortgage loans and brokerage products through specialized financial services in the area of leasing, factoring, investment funds, pension funds and life insurance. The core business activity of PKO Bank Polski is retail banking and the full name Powszechna Kasa Oszczędności roughly means "General Savings Bank". The bank employes more than 25,000 people and services more than 6 million clients through a network of more than 1,200 branches and 3,000 ATMs.
PKO BP has been growing its revenues and asset by 3.13% and 8.37% a year on average in the last 10 years. Its loans and deposits have grown by 4.97% and 8.83% a year during that time and loans to deposits ratio reached 68.7% at the end of 2022. The company achieved an average return on equity of 10.0% in the last decade with net profit growing -1.31% a year on average. In terms of operating efficiency, its cost to income ratio reached 45.1% in 2022, compared to 48.6% average in the last decade.
Equity represented 8.28% of total assets or 15.3% of loans at the end of 2022. PKO BP's non-performing loans were 3.83% of total loans while provisions covered some 109% of NPLs at the end of 2022.
PKO BP stock traded at per share at the end of 2022 resulting in a market capitalization of . Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 9.14% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 11.4x and price to book value (PBV) of 1.06x in 2022.
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