Bank Pekao ends 2024
and its four-year strategy
with a solid net profit
…the only way
is up!
We based our Strategy
2025 – 2027 on 3 pillars:
Growth, Accessibility
and Efficiency.
The numbers speak for themselves. From a financial perspective, last year was a very strong one. We are especially pleased with the record-breaking results in new account openings, credit card sales, and the growing corporate loan portfolio. Yet, Pekao has the potential to become an even better bank. We are refining our structure, systems, and products to further strengthen our position across all customer segments.
Key results
Net profit generation
PLN m
Cost/Income (incl. BGF)
%
PLN 6.4
bn
Net profit reported
21.2
%
ROE
34.2
%
C/l
New sales of cash loans
PLN bn, net
Loan portfolio
PLN bn
+6
% y/y
Loan portfolio growth dynamics
+11
% y/y
MID+SME financing volume
+22
% y/y
New sales of cash loans (net)
Digitisation rate
%
Active mobile banking customers
m
3,2
mln
Number of active PeoPay users
+47
pp.
Increase in the digitalization rate
+2
pp.
PEX digital sales of total
Corporate loan volume
PLN m
Retail loan volumes
PLN m
+6
% y/y
Total loans growth
+7
% y/y
Growth in mortgage loan volume
+5
% y/y
Growth in corporate loan volume
Summary of strategy execution
| 2023 Execution | 2024 Execution | 2024 Target | |
|---|---|---|---|
| ROE (%) | 25,0 | 21.2 | ~10 |
| C/I (%) | 31.7 | 34.2 | 42 |
| Active mobile banking customers (m) | 3.1 | 3.4 | 3,2 |
| Digitisation rate (%) | ~50 | 97 | ~100 |
| 2023 Execution | 2024 Execution | 2024 Target | |
|---|---|---|---|
| Amount of new sustainable project financing (PLN bn) | 9.0 | 12.7 | >8 |
| Increase in the number of hours worked as part of volunteering | 9490 | 11142 | >5500 |
| Gender pay gap | 34.8 | 31.9 | <35 |
ESG - key topics
