Integrated
Report
2025

100 years have passed, and we are still
the bank for curious world explorers

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Cezary Stypułkowski

President of the Management Board

The year 2025 was another good year for the banking sector in Poland and for the Bank Pekao S.A. Capital Group. The banking sector recorded a record annual profit, estimated at over PLN 45 billion, and Bank Pekao generated the highest net profit in its history, amounting to PLN 7.0 billion. The key contributing factor was the level of interest rates and a stable net interest margin, which, combined with volumes growing thanks to the Bank's commercial activity, tangibly translated into profitability.
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Key results

Dynamics of adjusted
net profit (PLN mln)

Strong capital position
- Tier 1 (%)

Cash loan
volume (PLN bln)

MID+SME financing
volume (PLN bln)

Market shares – consumer loan portfolio in PLN (PLN mln)

Market shares – consumer loan portfolio in PLN (%)

Growth in MID+SME financing volumes (PLN mln)

Client acquisition
(number of clients)

10 % y/y

Growth in nominal net profit

+8 % y/y

Recovery in lending activity

21,4 %

ROE

34,5 %

C/I (Cost/Income Ratio)

352 mld pln

Total assets

202 mld pln

Financing portfolio

4,4 %

NPL

+9 %

Active mobile users

+16 %

Loan sales in the SME segment

ESG activities

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