PKO BP's profits exceeded PLN 10 billion. This is how much the largest bank controlled by the State Treasury earned in 2025. Its assets amount to hundreds of billions of zlotys. How many clients does he have? How much does he earn in interest and commission? These and other data are shown in the financial report published on Thursday. There is no euphoria on the stock market yet.
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PKO BP has record profits
PKO Bank Polski made a net profit throughout 2025 PLN 10 billion 682 million (consolidated net profit attributable to shareholders of the parent company). It clearly improved the result from the previous year, when profits amounted to PLN 9,304 million. That means a new record for the largest Polish bank and at the same time for the entire banking sector.
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Net interest income amounted to PLN 24,223 million compared to PLN 22,153 million a year earlier. The result on commissions and fees reached PLN 5,243 million compared to PLN 5,120 million previously.
The bank's total assets amounted to PLN 583.08 billion at the end of 2025 compared to PLN 525.23 billion at the end of 2024.
PKO BP results. Szymon Midera comments
“With high discipline in operating costs and risk management, cost-to-income and credit risk ratios maintained at a solid level of 31.1% and 30 bps, respectively – the net profit of the PKO Bank Polski Group exceeded PLN 10 billion for the first time in the Polish banking sector. We achieved a return on equity (ROE) of 19.5% and we are able to provide record dividends for our shareholders” wrote Szymon Midera, president of PKO BP, in a letter attached to the annual report.
He indicated that to the level The value of customer savings increased by PLN 692 billion.
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“We entered 2026 in great shape: both the Polish economy and PKO Bank Polski. We have proven that the largest Polish bank can be business agile. Never before in the history of the Group have we had such a significant acceleration in so many areas of activity, while maintaining stable foundations and security. We have clearly broken away from the peloton and are now setting the pace for the market” – summarizes the results Szymon Midera, quoted in the bank's announcement.
The group grew at a double-digit rate, recording increase in the number of customers to over 12.5 million.
Total financing of the economy – retail and corporate clients – increased to PLN 327 billion in 2025 (+11.1% y/y). The bank participated in financing strategic investments for the country, including: in modern infrastructure, defense and energy transformation, where the value of new commitment in 2025 exceeded PLN 11.5 billion.
PKO BP results. How does the stock market react?
For investors who were well aware of the first three quarters of 2025, the fourth quarter numbers were key. Net profit in the last three months of the year amounted to PLN 2.7 billion.
Ultimately, the bank achieved a return on equity (ROE) of 19.5%.
In the statement, PKO BP points out that throughout the year the bank's stock market capitalization increased by 43%, reaching PLN 106 billion at the end of December. This is a valuation twice as high as that of the second largest bank on the Warsaw Stock Exchange.
Now it's even higher. On Thursday morning, the stock exchange valuation of PKO BP was just under PLN 109 billion, although the shares have been slightly negative since the morning (about 0.7%). compared to the quotations from the closing of Wednesday's session on the WSE.
“With a solid capital base of 15.57 percent (CET1), the bank can continue to effectively support the development of the economy and build value for stakeholders, and The Polish Financial Supervision Authority confirmed that it meets the conditions for the payment of 75%. profit as dividend“- we read in the PKO BP statement.
