In 2024, the Bank achieved very good sales results for mortgage loans, achieving the assumed goals and achieving a record result in mortgage sales, higher compared to the record-breaking 2023 so far, despite the end of accepting applications for the “Safe Credit 2%” under the government program „Pierwsze Mieszkanie”, which were the driving force of sales in the second half of 2023.
In 2024, sales of mortgage loans amounted to PLN 11.3 billion, up by +8.7% compared to 2023. Sales of standard housing loans (excluding loans under the „Safe Credit 2%” program) increased nearly 2.5 times year-on-year.
The results achieved allowed the Bank to strengthen its market position and in 2024 the Bank took 3rd place in terms of sales of mortgage loans in the banking sector and, in accordance with the assumed goal in the 2021 – 2024 strategy, it is in the TOP3 in the banking sector.
In 2024, we won 2nd place in the mortgage loan category in the Złoty Bankier 2024 ranking organized by Bankier.pl and Puls Biznesu.
We have been constantly updating and adapting our mortgage loan offer to changing market conditions and needs, consistently maintaining it in the TOP3 offers on the market.
We have expanded the offer with preferential terms for loans above PLN 500 thousand and with the EKO Mortgage Loan, which supports ecological solutions.
We have improved the processes of granting and servicing loans by expanding the availability of remote instructions (eDyspozycja) and including the Family 800+ Program in the creditworthiness assessment. Customers can submit an application for a mortgage loan in electronic form Pekao24 online banking and in the PeoPay mobile application, and if necessary, use the help of a specialized contact center employee.
In May, we made it possible for borrowers to submit applications to suspend mortgage loan repayments under the so-called statutory credit holidays and we have implemented new solutions to support borrowers in financial difficulties in accordance with statutory changes.
Borrowers who were affected by the flood that occurred in 2024 or as a result of its direct consequences, we have offered an Assistance Package, which allows for the suspension of installment repayments for up to 3 months, as well as the possibility of submitting applications for support under the Borrower Support Fund (from the first day after the Flood Act comes into force).
The offer of settlements introduced by the Bank for borrowers with active housing loans denominated in CHF, which are almost entirely in the Bank’s portfolio as a result of their acquisition as a result of the merger of part of Bank BPH SA in 2007, has met with great interest and acceptance on the part of customers. We have already prepared a settlement offer for over 84% of borrowers, of which we have already signed 7.4 thousand settlements.
We have transferred another part of mortgage loan receivables to Pekao Bank Hipoteczny. The total number of loans transferred so far is over 13.5 thousand with a value of over PLN 2.7 billion.